Mortgages
Local Lending Expertise
No matter where life takes you
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.
Ready to make a Move?
Here’s required documentation you’ll need to make the process smooth and to ensure your financial needs are fully supported.
Refinance
- A copy of your current mortgage statement, showing current balance and escrows (if applicable)
- Current property tax statements, if not escrowed, Declarations page from your homeowner’s insurance policy
- Most recent pay stubs, covering a 30-day period
- All W2 forms for the last 2 years; and complete tax returns including all attachments (1099s, K-1s, etc.)
- Most recent bank statements, all pages Valid photo ID
- Other documentation may be required upon review
Purchase
- A copy of your Purchase Agreement, including all addendums and seller’s disclosures, if applicable*
- Copy of Earnest Money Deposit Check*
- Most recent pay stubs, covering a 30-day period
- All W2 forms for the last 2 years; and complete tax returns including all attachments (1099s, K-1s, etc.)
- Most recent bank statements and investment account statements, all pages
- Valid photo ID *
- If you do not have a purchase agreement and are looking to get pre-approved, than please indicate on the mortgage loan application approximately how much you’re looking to mortgage.
- Other documentation may be required upon review
Ready to Apply?
Our loan team is here to help make the mortgage process simple and straightforward. Apply online to get started or connect with our team for guidance along the way.
Meet Your Team
When it comes to mortgages, having the right guidance is a real plus. If you’d like help choosing the best product or have a quick question for one of our mortgage lenders, simply complete the contact form below—we’ll be glad to assist you.
Contact the Mortgage Team
Loan Application Notice
After submitting a loan application, you may receive unsolicited calls or mail. These are known as “trigger leads” and do not come from TBA Credit Union. We value your privacy and never sell your information. Unfortunately, credit bureaus may share data that results in these contacts, which are beyond our control.
To help reduce unwanted calls and mail:
- Opt out by calling 1-888-5-OPTOUT or visiting optoutprescreen.com.
- Register with the Do Not Call Registry at donotcall.gov.
Please know that your personal information is used exclusively for processing your loan application with us. We recommend disregarding any misleading or unrelated communications you may receive.
Mortgage Tips
- Keep your employment stable. If your job status changes, notify your loan officer right away to prevent delays.
- Avoid new credit. Do not apply for credit cards, loans, or other lines of credit during the process.
- Limit unusual account activity. Large deposits or withdrawals can raise questions. Regular paycheck deposits are fine.
- Stay current on payments. Continue paying your mortgage, credit cards, and other loans on time.
- Hold off on big purchases. Wait to buy items like cars, boats, furniture, or other large expenses until after closing.
- Do not switch banks. If you’ve provided bank statements to your lender, keep your accounts at the same institution.
Ready to take the next step?
Find mortgage solutions built around your goals with local lending guidance designed to help you move forward confidently.
