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Last Updated: 04/18/2025

Y-12 Federal Credit Union Fixed Rate Mortgage

from Y-12 Federal Credit Union

Last Updated: 04/18/2025

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Credit Score Range

N/A


Amount Range

N/A


Loan Term (Years)

10 - 30

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Y-12 Federal Credit Union Fixed Rate Mortgage Review

Y-12 Federal Credit Union Fixed Rate Mortgage is offered by Y-12 Federal Credit Union , a credit union founded in 1950 and based in Oak Ridge, TN. Y-12 Federal Credit Union Fixed Rate Mortgage are available in 50 states and Washington, DC.

Key Takeaways

  • Specializes in single-family homes. Only offers mortgages for single-family homes, but not for multi-family properties or manufactured homes.
  • Standard interest rates types. Y-12 Federal Credit Union Fixed Rate Mortgage only offers fixed-rate mortgages.
  • Only primary residences considered. Y-12 Federal Credit Union Fixed Rate Mortgage does not offer financing for vacation homes or investment properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • Origination fee of 1%. This is on the low end for lenders that charge an origination fee. However, some lenders don't charge an origination fee.

Y-12 Federal Credit Union Fixed Rate Mortgage Pros & Cons

Y-12 Federal Credit Union Fixed Rate Mortgage FAQ

What is the maximum loan term you can get with Y-12 Federal Credit Union Fixed Rate Mortgage?

Y-12 Federal Credit Union Fixed Rate Mortgage 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 Y-12 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, Y-12 Federal Credit Union Fixed Rate Mortgage may charge a loan origination fee of 1% of the loan amount .

What property usage types does Y-12 Federal Credit Union Fixed Rate Mortgage allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Y-12 Federal Credit Union Fixed Rate Mortgage allows the following property usage types:
  • Primary home

What is the customer service phone number?

The customer service number for Y-12 Federal Credit Union Fixed Rate Mortgage is (865) 482-1043.

What is the support contact email?

The support contact email for is Y12info@y12fcu.org.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

501 Lafayette Dr
Oak Ridge, TN 37830
(865) 482-1043
Visit Site

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 12:00PM

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Other Home Mortgage Loans from Y-12 Federal Credit Union

Y-12 Federal Credit Union logo
Rating not yet determined
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Credit Score Range

N/A

Amount Range

N/A

No Origination Fee

Loan Term (Years)

Up to 30
Visit Site

Y-12 Federal Credit Union logo

Credit Score Range

Starting at 700

Amount Range

Starting at $647.2K

No Origination Fee

Loan Term (Years)

Up to 30

Y-12 Federal Credit Union logo

Credit Score Range

N/A

Amount Range

$50K - $400K

No Origination Fee

N/A

Loan Term (Years)

Up to 12

Y-12 Federal Credit Union logo

Credit Score Range

Starting at 640

Amount Range

N/A

No Origination Fee

Loan Term (Years)

Up to 30

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SuperMoney Net Recommendation Score

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