TLC Community Credit Union
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Your Life/Borrow

Home Loans

Location, location, location

Modern design or classic style. One floor or more. Right in town or country living. When you're house-hunting, it's all about finding the right fit. The same goes for your home loan. When you're ready to make the big move, we can set you up with a loan that feels just as comfortable as your new home.

Type of Loan
Purchase Rate/APR
Points
Refinance Rate/APR
Points
Cash-Out Refinance Rate/APR
Points
30 Year
3.250 %/3.397 %
0 Points
3.375  %/3.523 %
0 Points
3.625  %/3.776 %
0 Points
20 Year
3.000 %/3.206%
0 Points
3.000%/3.206  %
0 Points
3.375%/3.584  %
0 Points
15 Year
2.500%/2.763%
0 points
2.625 %/2.889 %
0 points
2.875 %/3.141%
0 points
10 year
2.375%/2.759%
0 points
2.500 %/2.885%
0 points
2.875  %/3.262 %
0 points

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Conventional Mortgages

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There are benefits to having your mortgage at TLC.

Government Home Loans

government building

TLC helps you obtain FHA, VA, and Rural Development home loans.

Home Equity

Home loan icon

You work hard on your home.  Make sure it works hard for you too!

Home Improvement Loans

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Unsecured loan to turn your home into a showcase or to make needed repairs.

How to Apply

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We make it easy to get a loan you’ll love.

Calculators

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Run the numbers to get the complete financial picture.




 Conventional Home Improvement Home Equity Second Homes
Rate Lock1 Checkmark for chart Checkmark for chart Checkmark for chart Checkmark for chart Rate Lock1
Escrow Accounts Checkmark for chart*

Checkmark for chart*
 Escrow Accounts
Will TLC service my loan?2 Checkmark for chart Checkmark for chart Checkmark for chart Checkmark for chart Will TLC service my loan?2
Location for home Michigan and Ohio Michigan and Ohio Michigan and Ohio Michigan and Ohio Location for home
Private Mortgage Insurance Required If less than 20% equity is available N/A N/A If less than 20% equity is available Private Mortgage Insurance Required
Pre-approval available Checkmark for chart Checkmark for chart Checkmark for chart Checkmark for chart Pre-approval available
Maximum Loan Amount3 $510,400 $25,000 $200,000 $510,400 Maximum Loan Amount3
1 = Rate lock is our commitment to an interest rate so you don't have to worry about your rate going up while your shopping for your home.
2 = TLC will be with you from pre-approval until you pay off your home loan. Make your payments at TLC and talk to a decision maker any time you have questions.
3 = Total loan amount for all real estate loans is $510,400

 FHA VA MSHDA USDA /
Rural Development
Escrow Accounts Checkmark for chart Checkmark for chart
Checkmark for chart Escrow Accounts
Location for home

State of Michigan
Location for home
Minimum down payment 3.5% 0% N/A 0% Minimum down payment
Government Issued Checkmark for chart Checkmark for chart Checkmark for chart Checkmark for chart Government Issued
Term Lengths Up to 30 years Up to 30 years Up to 30 years Up to 30 years Term Lengths
Private Mortgage Insurance Required Checkmark for chart Not required
Checkmark for chart Private Mortgage Insurance Required
Pre-approval available Checkmark for chart Checkmark for chart Checkmark for chart Checkmark for chart Pre-approval available
Maximum Loan Amount1 $331,760 $510,400 $224,500 $265,400 Maximum Loan Amount1
Debt to Income requirement mortgage payment = 31%, total payments = 43% 41% 45%
mortgage payment = 34%, 
total payments = 46%
Debt to Income requirement 
1 = Total loan amount for all real estate loans is $510,400
Nice House

Meet Our Home Loan Experts