Mortgage Loans

First Trust Mortgage Loans

Whether you are a first-time buyer, purchasing the home of your dreams, or refinancing your existing home for a lower rate, we offer a full line of mortgage options, including fixed and adjustable rates, balloon loans, and pre-approved loans.

Online Mortgage Resources

• Mortgage Loan Calculators

• Pre-Qualification Calculator

• Quick Rate Snapshot

• Reverse Mortgages

Home Equity Line of Credit

Fund home improvements and debt consolidation with our Home Equity Line of Credit (HELOC) and make the most of your home equity. Our HELOC is a variable rate line of credit you can draw on for up to 10 years with a 20 year repayment after the initial draw period, and the interest you pay may be tax deductible. Consult a tax advisor regarding deductibility of interest.

Second Mortgage / Home Equity Loans

Go ahead. Add a bedroom, buy the granite, and add that pool. Our Second Mortgage Loan helps you optimize the equity in your home so you can get more for less. Borrow what you need at one fixed rate; the interest you pay may be tax deductible. Consult a tax advisor regarding deductibility of interest.

Debt Protection

For that added peace of mind. AFL-CIO Employees Federal Credit Union offers you the opportunity to purchase Debt Protection Coverage with your Home Equity loan.