Last Updated: 04/18/2025
Y-12 Federal Credit Union USDA Loan
Unaffiliated
Last Updated: 04/18/2025
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Y-12 Federal Credit Union USDA Loan Review
Key Takeaways
- Only offers one mortgage pogram. Y-12 Federal Credit Union USDA Loan only provides USDA mortgages.
- 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 USDA Loan only offers adjustable-rate mortgages.
- Only primary residences considered. Y-12 Federal Credit Union USDA Loan 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.
- High maximum LTV ratio. Y-12 Federal Credit Union USDA Loan has a maximum loan to value ratio of 100%, 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 640 may qualify for Y-12 Federal Credit Union USDA Loan.
Y-12 Federal Credit Union USDA Loan Pros & Cons
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Y-12 Federal Credit Union USDA Loan FAQ
What is the maximum loan term you can get with Y-12 Federal Credit Union USDA Loan?
What mortgage rates does Y-12 Federal Credit Union offer?
Do they charge mortgage origination fees?
What mortgage programs are available?
What property usage types does Y-12 Federal Credit Union USDA Loan allow?
- Primary home
What is the customer service phone number?
What is the support contact email?
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Credit Score Range
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No Origination Fee
Loan Term (Years)
Credit Score Range
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Amount Range
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No Origination Fee
Loan Term (Years)
Credit Score Range
Amount Range
No Origination Fee
Loan Term (Years)
Credit Score Range
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Amount Range
No Origination Fee
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Loan Term (Years)
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Jessica Walrack
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