Banking on the plus side means having a mortgage that works for you, not against you.
Our mortgage options are designed to be a true plus in your life, offering competitive rates, personalized guidance, and local service you can trust. Whether you’re buying your first home, upgrading to your dream house, or refinancing to save more each month, our team is here to make the process simple and rewarding.
With TBACU, your mortgage isn’t just a loan—it’s a step toward financial confidence and the plus side of homeownership.
Fixed Rate
Purchase
10-15-20-30-Year Fixed Term
Payment Within Your Budget
Rate Never Changes
Fixed Rate
Refinance
Shorten Your Current Term
Cash-out Option
Debt Consolidation
Other Products Available
Rural Development (RD)
Jumbo Loans
Manufactured Housing
First-Time Home Buyer Loans
Vacant Land Loan
10 Year Fixed Term
5 Year Balloon Amortized 15 Year
5 Year Balloon Amortized 30 Year
Home Equity Loan
Fixed Rates
Line of Credit with 10-yr Draw Period
Lower Rate Options
Fast Local Decisions
Investment Home Equity Loans
VA Loan
Zero Down Payment Option
Low-cost Loan
Easy to Qualify
Residential Construction Loan
Build your perfect Dream Home
Funds Ready When Needed
FHA Loan
Lower Down Payment Requirements
No Income Limitations
Fixed Rates
Ready to apply?
Finding the right mortgage starts here. Review our current rates below and see how TBA Credit Union can support your next move.
| Conventional Fixed Mortgage Rates (based on a $225K loan amount) | APR^As Low As |
|---|---|
| 10 Year Purchase Primary Residence | 6.00% |
| 15 Year Purchase Primary Residence | 6.00% |
| 30 Year Purchase Primary Residence | 6.375% |
| Home Equity Line of Credit | APR^As Low As |
| 10 Year Interest Only | 6.75%* |
| Home Equity Fixed | APR^As Low As |
| 5 Year Home Equity | 6.50% |
| 10 Year Home Equity | 7.00% |
| Vacant Land | APR^As Low As |
| 10 Year Fixed | 7.00% |
| For loans not listed in this chart, please contact our Mortgage Department at 231.946.7090. |
Rates are based on loan amount. Rate are based on an evaluation of credit and credit history, so your rate may differ. Rates are subject to change. * Variable Rate. Rates effective as of June 10, 2026.
Just starting the process? View the checklists below to make sure you have what you need to start the process.
Need an Expert in Your Corner? If you need assistance in choosing the right product or have a quick question for one of our mortgage lenders, please complete the contact form below and we will be happy to assist you.
Contact the Mortgage Team
Mary Burgin
Mortgage Loan Originator
NMLS #1901789
maryb@tbacu.com
231.342.4732
Carrie Eppinger
Mortgage Loan Originator
NMLS #718733
carriee@tbacu.com
231.944.0528
David Powell
Mortgage Manager
NMLS #2542958
davidp@tbacu.com
231.649.0300
Joan Carley
Mortgage Loan Processor
joanc@tbacu.com
231.946.8798
TBA Credit Union Loan Applicants:
Be aware that after applying for a loan, you may receive unsolicited calls and mail. These “trigger leads” are not from us; TBA Credit Union respects your privacy and does not sell your information. Credit bureaus selling your data can lead to these contacts, which we cannot control.
To minimize unwanted calls and mail:
- Opt out by calling 1-888-5-OPTOUT or visiting the Opt Out Prescreen website.
- Register with the Do-Not-Call Registry.
Your personal details are used solely for your loan application with us, and we advise ignoring any misleading contacts that may occur.
Mortgage Tips – Things to Avoid During the Mortgage Process
- Employment status should not change. If employment status changes, please let your loan officer know immediately to avoid any delays.
- Do not apply for any lines of credit, including new credit cards.
- Do not make any large deposits or withdrawals from your assets. Regular paycheck deposits are ok.
- Do not stop making loan payments. This includes current mortgage, credit card, loans, etc. Never fall behind on your bills.
- Refrain from making large purchases. IE: new car, new boat, new snowmobile, new furniture, etc.
- Do not change your financial institution if your bank statements were provided to your lender.
(1) 10-year draw period followed by a 10-year repayment period for 1 to 4 family owner occupied/second home occupancy. Interest only payments required during draw period. Rate is variable. (2) TBACU members who meet eligibility criteria can access a home equity line of credit with no closing costs. Property hazard insurance required. Property flood insurance required when applicable. Other terms and conditions may apply. Ask one of our mortgage loan officers for details. Insured by NCUA.