Home mortgage loan options
We're here to help you buy a home with the support of a credit union.
Pre-qualify for a home.
Mortgage calculator
The interest rate used may not reflect the Annual Percentage Rate (APR), which includes additional costs and fees that may apply to your loan. The final APR and loan terms will be provided upon application and approval.
This tool does not include all applicable costs, including but not limited to closing costs, property taxes, homeowner's insurance, or homeowners’ association (HOA) dues, which can significantly impact your monthly payment and total loan cost.
If using this calculator to evaluate an adjustable-rate mortgage, be aware that rates and payments may fluctuate over time.
This calculator does not evaluate your ability to repay the loan and should not be used to determine loan eligibility.
Disclosure of income from alimony, child support, or separate maintenance is optional, unless you wish to rely on such income for repayment. Any obligation to pay alimony or child support should be included to ensure an accurate calculation of your monthly liabilities.
First Tech Federal Credit Union does not provide tax, legal, or financial advice. Please consult with qualified professionals regarding your individual circumstances.
For a personalized assessment and accurate loan estimate, please contact a First Tech Mortgage Loan Officer.
Fixed-rate home loans.
Fixed-rate home loans are the most common type of mortgage. With fixed-rate home loans, you'll maintain the same payment and interest rate throughout the life of the loan. That means you’ll never worry about rising interest rates or a changing economy when it comes to your home loan.
If you have a home picked out and signed a contract, please click the Submit Application box below. If you want to see how much you qualify for submit a request for Pre-Qualification.
It’s perfect if you plan on staying in your home for at least five years.
- Easy application process
- No pre-payment penalty
Adjustable-rate mortgage (ARM).
An Adjustable-Rate Mortgage helps you qualify for more home thanks to lower payments during the first three to ten years of the loan. After that, the rate adjusts, which could change the monthly payment. If you have a home picked out and signed a contract, please click the Submit Application box below. If you want to see how much you qualify for submit a request for Pre-Qualification.
ARMs are ideal if you plan on being in your home for a short period of time. Because ARMs are subject to rate adjustments later on, the initial interest rate is typically set lower than on a standard fixed-rate loan. This can benefit you with a lower payment that reduces your monthly housing costs.
- Fixed interest rate for 5, 7 or 10 years
- Thereafter, the rate adjusts every 6 months, except the 5/5 ARM, which adjusts ever 5 years.
- Easy application process
Find a home loan officer.
Our loan officers are ready to help you find the right type of loan. They can help navigate mortgage interest rates, determine principal and interest payments, and more.