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'APR =AnnualPercentage Rate. Limited time offer is effective April1,2016,and subject to change without notice.All loans are subject to credit approval and program guidelines. Rates are based on creditworthiness, so your rate may differ.Member pays no closing costs. Promotional 3.50% APR does not include items such as prepaid interest ,optional owner's title insurance,and optionalescrow services,which could increase the effective APR. Loan must be for a primary residence,in first lien position, with a maximum loan to value ratio of 80%, max debt to income ratio of 38%.Mortgage loan payment example: $100,000 mortgage for a term of 240 months (20 years) at 3.50% APR will result in a monthly payment of 579.96.Payment example does not include amounts for taxes and insurance.The monthly obligation will be greater if taxes and insurance are included,and an initial customer deposit may be required if an escrow account for these items is established.All terms and conditions are subject to change without notice.Existing Kentucky Telco mortgage loans do not qualify.Past or present credit history including items such as liens,bankruptcy,charge-offs,delinquent accounts, or multiple slow payments exceeding 60 days, do not qualify for the promotionalmortgage program terms.Other restrictions may apply. Contact us for additional details at (800) 292-9490.
Whether you’re purchasing your first home or refinancing your existing one, we can help. Our Mortgage Loan Center offers a complete selection of real estate products to meet your home loan needs.
Kentucky Telco Credit Union and its employees who are Mortgage Loan Originators are registered in the Nationwide Mortgage Licensing System (NMLS). Their identification numbers are as follows:
|Kentucky Telco Credit Union||456634|
|Mercedes Alonso Reyes||476462|
|Lou Ann Blatz||1008175|
|Matthew R. Holbrook||434710|
|Adam M. Reynolds||191691|
|Amber N. Vogt||844747|
|Katie A. Abner||488902|
|Carrie L. Schneidtmiller||874672|
|April R. Ford||576990|
|Aliani Viva Hernandez||1221053|
To contact the NMLS, go to nmlsconsumeraccess.org. For more information on homebuying, please click here.
We offer a variety of low, fixed rates for a variety of mortgage terms. Please contact us at (502) 459-3000.
Sometimes, life throws a few curve balls. When it does, the equity in your home may help you handle home repairs, car repairs, or other unexpected expenses. A Home Equity Line of Credit from Kentucky Telco can give you the piece of mind and spending power you need at a moment’s notice.
- Rates as low as 4.00% APR*
- Low closing costs**
- Revolving line of credit means you have the flexibility to borrow funds as you need them, up to your credit limit
- Potential tax savings — the interest may be tax deductible (consult your tax advisor)
*APR=Annual Percentage Rate. Home Equity Lines of Credit are variable-rate loans. Rates as low as 4.00% APR and are based on creditworthiness, so your rate may differ. The plan has a maximum APR of 18%. All loans subject to approval.
**Closing costs typically range between $500 and $800. The closing costs depend on the location of the property and the amount of the Equity Loan/Line. Proof of property insurance is required.
Need help selecting the best home loan option? Fill out the form below and we will get in touch with you.