Whether you're in the market to purchase, refinance or apply for a Home Equity Loan, we're certain you'll find our service amazing!

Purchasing a Home?
If you'll be purchasing but haven't found the perfect home yet,
complete our application and
we'll issue a pre-approval for a mortgage loan, with no obligation!

Want a lower mortgage rate? Need extra funds for home renovations? 
Consider a Home Equity Loan or a Home Equity Line of Credit.

Congratulations on this big decision. TVFCU looks forward to
helping you Buy the Home you Love! Get started below.

Not ready to apply? Please call the TVFCU Mortgage Team to request more information at 423.634.3667




Apply online in as little as 20 minutes.

Our goal is to provide the highest level of service, at competitive rates.

Brush up on what you can expect when you apply.




There are many decisions involved in purchasing or refinancing a home. Leave the guesswork at the door.

Read the Mortgage Resources provided to take out any surprises. 

We've rolled up our sleeves and worked very hard to make TVFCU your first choice for mortgage loans.

With more competitive rates, quicker approvals and closings, and a wider range of borrowing options than ever before,

we're ready to be your mortgage team - and we're ready to make your dreams of home ownership come true.   

What You Can Expect When You Apply for a Mortgage

First, you'll complete our online application!
The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you've finished the application we'll review your request for instant approval. If your application is approved online, we'll ask you for a deposit to cover the cost of the appraisal on your home so that we can begin to process your request immediately. This deposit will be credited towards your closing fees at closing.

After completing your application, a Mortgage Originator will contact you to introduce himself or herself and to answer any questions you may have. Your Mortgage Originator is a mortgage expert and will provide help and guidance along the way. If your request wasn't approved online, he or she will ask you for any information required to make a decision about your loan.


If you are purchasing a new home, the Mortgage Originator will also contact the Real Estate Broker or the seller so that they'll know whom to contact with questions.
We'll send you an application package and prepare your loan for closing.

The application package will be sent to you and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.


We'll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home. Sometimes they are able to do their evaluation from the street.

Title insurance will be necessary. If you're purchasing a home, we'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing we'll take care of ordering the title work for you. We'll use the title insurance to confirm the legal status of your property and to prepare the closing documents.

We'll contact you to coordinate your closing date.

After we received the application package back from you and the appraisal and title work, we'll contact you to schedule your loan closing. If you are purchasing a home, we'll also schedule the closing with the real estate broker and the seller.
The closing will take place at the office of a title company or attorney in your area who will act as our agent.

A few days before closing, your Mortgage Originator will contact you to walk through the final information so that there won't be any surprises at closing.

That's all there is to it! You're on your way to the most convenient home loan ever!


TVFCU Mortgage is opening doors to your Mortgage Savings and covering the cost of your home appraisal and credit report which is over $500 in savings!




P.O. Box 23967
Chattanooga, TN 37422

P 423-634-3667  |  E Mortgage.support@tvfcu.com


Completing our online application is as easy as 1-2-3! We'll ask you questions about your personal finances and the home. You'll probably know all the answers off the top of your head.


If you don't have time to complete the application right now or if you need to gather information before you finish, we'll save the information you have completed. When you're ready to finish, return to the site and enter your User ID and password to continue.