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Last Updated: 04/18/2025

Carolinas Telco FCU Investment/Vacation Property

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 640

Amount Range

N/A

Loan Term (Years)

10 - 30

Carolinas Telco FCU Investment/Vacation Property Review

Carolinas Telco FCU Investment/Vacation Property is offered by Carolinas Telco Federal Credit Union (NMLS #402929), a credit union founded in 1934 and based in Charlotte, NC. Carolinas Telco FCU Investment/Vacation Property 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 Investment/Vacation Property only offers fixed-rate mortgages.
No primary residences considered. Carolinas Telco FCU Investment/Vacation Property does not offer financing for primary homes.
Maximum LTV. Carolinas Telco FCU Investment/Vacation Property has a maximum loan to value ratio of 80%.
Fair credit accepted. Borrowers with a credit score as low as 640 may qualify for Carolinas Telco FCU Investment/Vacation Property.

Carolinas Telco FCU Investment/Vacation Property Pros & Cons

Pros

Cons

No prepayment penalty.
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.
No co-sign option available.

Carolinas Telco FCU Investment/Vacation Property FAQ

What is the maximum loan term you can get with Carolinas Telco FCU Investment/Vacation Property?

Carolinas Telco FCU Investment/Vacation Property 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 Investment/Vacation Property may charge a loan origination fee .

Does Carolinas Telco FCU Investment/Vacation Property charge prepayment fees?

No, Carolinas Telco FCU Investment/Vacation Property does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.

What property usage types does Carolinas Telco FCU Investment/Vacation Property allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Carolinas Telco FCU Investment/Vacation Property allows the following property usage types:

Investment properties and house flipping projects

What is the customer service phone number?

The customer service number for Carolinas Telco FCU Investment/Vacation Property 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

Starting at 600

Amount Range

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