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Loan Center

Real Estate Loans
  • First Mortgages - Whether you are a first time home buyer or a seasoned owner looking for a new place for you and your family, a First Mortgage Loan from HTFFFCU offers some great benefits that may be just what you need to get in the home of your dreams. We offer both 15 and 30 year mortgages and with no junk fees. Who could ask for a better deal?

Benefits of homeownership:

  • - Stability - It's rewarding to have a place to settle down in and call your own.
  • - Tax deduction - You usually can deduct mortgage interest on your tax return (Consult a Tax Advisor).
  • - Appreciation - Over time, the value of a home generally increases. Increase in net worth-Mortgage payments help you build equity.
  • - Borrowing Power - Equity built up over time may help you qualify for future loans.



  • Home Equity - The equity in your home is one of your most valuable assets and we want to help you get the most from your investment. You have worked long and hard to pay for your home and it may be time to have your home work for you with a Home Equity Loan.


You can use the cash from a Home Equity Loan to do just about anything!

  • - Educational Expenses
  • - Debt Consolidation
  • - Payoff Existing Mortage
  • - Home Improvements
  • - Your Dream Vacation
  • - Medical Bills
  • - Business Startup
  • - And much, much more!

Not only are the possibilities endless with a Home Equity Loan but you don't have to worry about "Junk" Fees! That means: No Origination Fees, No Processing Fees, No Underwriting Fees and No Administrative Fees.

Also, consult a tax advisor to see if your interest is tax deductible!


  • Home Equity Line of Credit (HELOC) - A Home Equity Line of Credit from HTFFFCU offers you the same great benefits of a Home Equity Loan with easier access to the equity in your home any time you may need the extra cash.


Not only are the possibilities endless with a Home Equity Loan but you don't have to worry about "Junk" Fees! That means: No Origination Fees, No Processing Fees, No Underwriting Fees and No Administrative Fees.

Some restrictions apply. Contact our Real Estate department for details.

  • Unimproved Property Loan - An Unimproved Property Loan can help you get that land that you have always wanted. Whether you are looking to build your dream retirement home, investing in your new deer lease or looking for a place to graze your cattle this loan is perfect for you.


Some restrictions apply. Contact our Real Estate department for details.


  • Home Improvement Loan - We all know that things can happen unexpectedly and when they do they can sometimes cost more than we are prepared for. If you ever find yourself with a leaky roof or are needing to make any huge repairs to your home but with out the finances to make it happen, remember that your credit union is here to help.

The Home Improvement Loan is not only here for the unexpected but if you are looking to ever add value to your home such as adding a pool or additions to your home, we can help with that as well! So jump on in!

Contact the Real Estate Department for additional loan details and restrictions.

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Other Services

  • Auto Buying Guide Purchasing a vehicle is a decision that requires knowledge of issues that buyers may encounter. more
  • Preferred Dealers A listing of car dealerships that many members have had good experiences with and that you can trust. more