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Find The Right Mortgage

Refinance. With rate and origination discounts.(1)
+PLUS a FREE 5-year rate float-down.(2)

Refinance with Confidence


Purchase. With rate and origination discounts.(1)
+PLUS extra savings for first-time homebuyers.(3)

Lock In Your Savings

 

Put Down Roots and Flourish

Whether you’re a first time home-buyer, refinancing your existing mortgage, or purchasing a new property, ORNL FCU offers mortgage loans designed to help you thrive.

Competitive Loan Rates

Benefit from low interest rates.

Simple Application Process

Stress-free applications with fast processing help you quickly get financing.

Convenient Payment Options

Make payments at your local branch, Interactive Teller Machine (ITM), or online 24/7.

Dedicated Member Support

Build a successful financial future with our committed team of financial advisors.

Thrive with Smarter Home Financing

We offer mortgage loans designed to fit your specific needs, with your best interest in mind. Also, enjoy limited-time savings now through June 30, 2026. 

  • 0.25% OFF our already low mortgage loan rates(1)
  • 0.50% reduction in origination fees(1)
  • Choose from personalized loans with terms from 10–30 years(4)
  • Local loan processing and underwriting
Apply Now

First-Time Homebuyer?

Contact A Mortgage Officer

Build the Home of Your Dreams

Our Construction-to-Permanent Loan combines your construction loan and permanent mortgage into one convenient solution—with a single closing, interest-only payments during construction, flexible lot options, and the ability to lock in your mortgage rate before building begins.
    Apply Now

    Contact A Mortgage Officer

    Home Buying Made Simple, from Start to Close

    Meet Our Mortgage Team

    Calculate Your Monthly Payment

    Figure out your mortgage loan or loan refinance.

    Explore Your Options

    We offer many loan types to help you with your financial needs.

    We Do More Than Just Mortgages

    Let ORNL FCU be your full-service financial institution.

    (1) Rate and Origination Discount Exclusions: Terms and conditions apply. Subject to credit approval. Primary residence refinance loans only. Not available for HELOCs, Land, Employee, Smart Loan, Realty Resource Loans, and Contruction-to-Permanent (C2P). Offer available for complete applications from April 1, 2026, through June 30, 2026.

    (2) Rate Float-down Exclusions: May be initiated only once and must use ORNL FCU’s current market rates. Offer is available during the first five (5) years after closing. Member(s) must be in good standing with ORNL FCU. No cap applies to the float‑down, and there is no cost, no new credit qualification (rate calculated on initial credit qualification), and no change to the loan’s initial terms. Execution of modification documents is required. Loan must be serviced and held by ORNL FCU to be eligible. Offer available for complete applications from April 1, 2026, through June 30, 2026.

    (3) DISCLAIMER: Borrowers must meet First-Time Homebuyer requirements (no ownership in three (3) years). Offer available for complete applications from April 1, 2026, through June 30, 2026.

    (4) Terms may vary based on credit, acreage, and other restrictions. Additional fees may apply. Speak with an ORNL FCU loan representative for more information.

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