Our Mortgage Department has Relocated
Please be aware that our Mortgage Department has relocated to our new headquarters, located at 102 Motor Parkway in Hauppauge.
Our full-service Farmingville branch will remain open to serve members.
No Closing Cost Mortgages Available!
- For 20, 30, & 40 Year Fixed Rate Mortgages
- Available for Purchases and Refinances
Mortgage & Home Equity by Phone
Loan Information & Applications
(631) 698-7000 ext. 6790
Rate Lock-ins
Rate Lock-ins are available Monday-Friday, 10am-4pm. Your Lock-in Interest Rates may be different than the rate posted on our website or our telephone system.
Loans are NOT locked in at application. A completed application is required prior to locking in.
Rate Lock-ins cannot be accepted by fax.
Pre-Approval Mortgage Program
TFCU offers a Pre-Approval program to members considering purchasing a home
Calculate how much you will earn with
Online Financial Calculators
SMARTMOVE®
Turn to One Place For the Best Real Estate Benefits Program
In order to do a refinance mortgage your home CANNOT be listed for sale
Mortgage Rates
ConventionalMaximum loan amount: $417,000 |
Rates Effective: 02/03/2012 | ||
 = Information
 = Application
 = Calculator
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| Fixed Rate Mortgages* |
Rate | APR | Payment per $1,000 |
| 10 Year (up to 95% financing) |
2.625% | 2.80% | $9.48 |
| 15 Year (up to 95% financing) |
2.750% | 2.87% | $6.79 |
| 20 Year (up to 95% financing) |
3.375% | 3.47% | $5.74 |
| 30 Year (up to 95% financing) |
3.500% | 3.57% | $4.49 |
| 40 Year (up to 95% financing) |
3.875% | 3.93% | $4.10 |
* APR based on $165,000 Conventional loan assuming the highest credit rating. Your actual rate may vary depending on your specific terms. The maximum loan amount for conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
