HTM Credit Union is proud to offer our members Federally Secure Mortgage Programs – FHA, VA, Rural Housing, and Reverse Mortgages.

Several Options for members looking to purchase or refinance and receive cash out. 96.5% and 100% financing available.

Purchases or Refinances with lower Fico scores and higher LTV’s. Solid fixed rate loans. Also loan rehabilitation on new or current homes.
VA Mortgages
30 Year Fixed Rates 100% Financing No PMI Available on a purchases and 90% ltv cash out.
Reverse Mortgages
A valuable financial tool for seniors, 62 and older. This mortgage option gives them the opportunity to increase their monthly cash flow so they may live their life to the fullest.
Rural Housing
100% financing on purchases in small suburban/rural areas. No PMI.
Very Competitive Fannie Mae and Freddie Mac Rates.

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Home Equity Line of Credit

If you want the flexibility of ready cash to remodel your home, consolidate your debt, buy a new car or manage unexpected expenses a home equity line of credit may be the best option for you.

  • Check access for an easy hassle-free way to get the cash you need.
  • 5 year draw, ten year pay back, total of 15 years.

The rate will be equal to the Wall Street Journal Prime Lending Rate as published in the Wall Street Journal at the beginning of each monthly billing cycle. This is a variable rate, subject to change. The maximum annual percentage rate (APR) is 18%. No annual fees or closing costs.