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Last Updated: 04/18/2025

Carolinas Telco FCU Fixed Rate First Mortgages

Q: What is the support contact email?

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

from Carolinas Telco Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

Starting at 600

Amount Range

Up to $200,000

Loan Term (Years)

10 - 30

Carolinas Telco FCU Fixed Rate First Mortgages Review

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

Key Takeaways

Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
Standard interest rates types. Carolinas Telco FCU Fixed Rate First Mortgages only offers fixed-rate mortgages.
No primary residences considered. Carolinas Telco FCU Fixed Rate First Mortgages 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 Fixed Rate First Mortgages has a maximum loan to value ratio of 95%, 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 Fixed Rate First Mortgages.

Carolinas Telco FCU Fixed Rate First Mortgages Pros & Cons

Pros

Cons

Considers applicants with fair credit.
Available in 55 states.

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

Carolinas Telco FCU Fixed Rate First Mortgages FAQ

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

Carolinas Telco FCU Fixed Rate First Mortgages 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 Fixed Rate First Mortgages?

Carolinas Telco FCU Fixed Rate First Mortgages offers mortgages with terms ranging from 10 to 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 Fixed Rate First Mortgages may charge a loan origination fee .

What is the customer service phone number?

The customer service number for Carolinas Telco FCU Fixed Rate First Mortgages is (800) 622-5305.

What is the support contact email?

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

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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

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Credit Score Range

Starting at 600

Amount Range

Up to $200K

No Origination Fee

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Loan Term (Years)

Up to 30

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Credit Score Range

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Amount Range

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Loan Term (Years)

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