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First Mortgages

At PCT Federal Credit Union, we know purchasing a home is a big decision. Our knowledgeable loan officers are here to help you weigh out your options and understand the benefits of home ownership. Whether you’re interested in conventional first mortgages or government programs, we are here every step of the way.

Government Programs:

  • FHA
  • 203K FHA Rehab
  • VA
  • Reverse Mortgage
  • HARP 2.0
  • USDA

Mortgage Webcenter

First Mortgage Short Term

Dreaming of the day when you’ll no longer have a mortgage? Well now your dreams can become a reality! If you’re looking to retire without a mortgage payment or to save money on interest, a low cost and low fee short term first mortgage may be the perfect solution for you.

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Fixed Rate Equity

Put your home’s value to work with the low interest, fixed payment benefits of an equity loan. A fixed rate equity can subsidize home improvements, a new car, or that vacation you’ve always wanted to take. Enjoy the freedom of using your home’s equity towards anything that you can dream of. A fixed rate equity works great towards big, one-time purchases.

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Home Equity Line of Credit (HELOC)

Tap into your home’s equity to pay for anything from home improvements to college tuition. With a low interest home equity line of credit, you have the flexibility to borrow what you want in increments as low as $500. Save on interest by borrowing only what you need. With check writing capability, accessing your HELOC is now easier than ever!

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