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Last Updated: 12/18/2025

Carolinas Telco FCU Adjustable Rate Mortgage

Q: What is the support contact email?

The support contact email for is support@ctelco.org .

from Carolinas Telco Federal Credit Union

Last Updated: 12/18/2025

Rating not yet determined1 total votes

1 users recommend

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Highlights

Credit Score Range

Starting at 600

Amount Range

Up to $200,000

Loan Term (Years)

Up to 30

Carolinas Telco FCU Adjustable Rate Mortgage Review

Carolinas Telco FCU Adjustable Rate Mortgage is offered by Carolinas Telco Federal Credit Union (NMLS #402929), a credit union founded in 1934 and based in Charlotte, NC. Carolinas Telco FCU Adjustable Rate Mortgage are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
Standard interest rates types. Carolinas Telco FCU Adjustable Rate Mortgage only offers adjustable-rate mortgages.
No primary residences considered. Carolinas Telco FCU Adjustable Rate Mortgage does not offer financing for primary homes.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. Carolinas Telco FCU Adjustable Rate Mortgage has a maximum loan to value ratio of 97%, which is higher than average. Most lenders want you to have at least 20% equity.
Fair credit accepted. Borrowers with a credit score as low as 600 may qualify for Carolinas Telco FCU Adjustable Rate Mortgage.

Carolinas Telco FCU Adjustable Rate Mortgage Pros & Cons

Pros

Cons

Considers applicants with fair credit.
Offers financing for single-family homes, multi-family homes, manufactured/mobile homes, and townhomes.
Available in 55 states.

Charges an origination fee.
Charges prepayment fees.
No co-sign option available.

Carolinas Telco FCU Adjustable Rate Mortgage FAQ

How much can you borrow via Carolinas Telco Federal Credit Union?

Carolinas Telco FCU Adjustable Rate Mortgage allows borrowers to apply for loan amounts of up to $200,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with Carolinas Telco FCU Adjustable Rate Mortgage?

Carolinas Telco FCU Adjustable Rate Mortgage offers mortgages with a maximum term of 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does Carolinas Telco Federal Credit Union offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, Carolinas Telco FCU Adjustable Rate Mortgage may charge a loan origination fee .

What is the customer service phone number?

The customer service number for Carolinas Telco FCU Adjustable Rate Mortgage is (800) 622-5305.

What is the support contact email?

The support contact email for is support@ctelco.org.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

3921 Tuckaseegee Rd

Charlotte, NC 28208

(800) 622-5305

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

Other Services by Carolinas Telco Federal Credit Union

Business Checking Accounts

2 products

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Business Savings Accounts

2 products

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CD Accounts

3 products

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Checking Accounts

2 products

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Savings Accounts

6 products

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Business Credit Cards

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Credit Cards

2 products

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Auto Loans

2 products

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Personal Lines of Credit

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Personal Loans

4 products

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Home Equity Lines of Credit

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Other Home Mortgage Loans from Carolinas Telco Federal Credit Union

Carolinas Telco FCU Fixed Rate First Mortgages

Rating not yet determined

Be the first to rate

Credit Score Range

Starting at 600

Amount Range

Up to $200K

No Origination Fee

N/A

Loan Term (Years)

10 - 30

Visit Site

Carolinas Telco FCU Investment/Vacation Property

Rating not yet determined

Be the first to rate

Credit Score Range

Starting at 640

Amount Range

N/A

No Origination Fee

N/A

Loan Term (Years)

10 - 30

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Carolinas Telco FCU Adjustable Rate Mortgage Community Reviews

Would you recommend Carolinas Telco FCU Adjustable Rate Mortgage to your friends?

Obibi blessing S.

Dec 18, 2025

May or may not recommend

I had a really smooth experience with Carolinas Telco FCU’s Adjustable Rate Mortgage, the team was responsive, patient, and took time to clearly explain every step. The flexible loan options and fair credit acceptance made the process feel achievable instead of stressful. If you want a credit union that treats you like a real person and not just a number, this is a solid choice.

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