Home loans
Buy a home
Homeownership starts here. Buying the right home starts with the loan ‐ and lender. Browse the options below and begin your home-buying journey with a credit union you can trust.
Get started
Begin your home loan application with TCU.
View rates
Review our latest home rates.
Connect with us
Not ready to apply or want to learn more? Contact a mortgage loan officer.
Begin your home loan application with TCU.
Review our latest home rates.
Not ready to apply or want to learn more? Contact a mortgage loan officer.
Products
At Thrivent Credit Union, we offer a balanced approach to homebuying, helping you leave room in your budget for what matters most. With financial solutions for every step of your home ownership journey, find the product that best suits your needs today.
Fixed rate mortgage
A loan that will be paid back over the decided term, with an interest rate that doesn't change. Best choice for you if:
- You want fixed payments for the full term of the loan.
- You want the security of knowing your interest rate will not change over time.
- You think interest rates could rise in the next few years.
Adjustable rate mortgage (ARM)
The rate is fixed during the initial term of the loan. After the initial term the rate and payment may adjust once each year for the remaining term of the loan.
Best choice if:
Best choice if:
- You are planning to move prior to the end of the initial rate period and therefore aren't concerned about future rate increases.
- You think interest rates could fall in the future.
Low down payment loans
At TCU, we believe in the power of options. That's why we're proud to offer solutions for homebuyers looking for low down payment possibilities. Through programs like Home Ready and Home Possible, we're helping families across the nation purchase their first home with smaller down payments.
Jumbo loans
A jumbo loan allows you to borrow a larger amount of money than a conventional loan. Our jumbo loans are available in a variety of terms:
- 7/1 Adjustable Rate Mortgage (ARM) Jumbo.
- The amount you need to borrow is over the conventional loan limits (which may vary by region).
Fixed rate mortgage
A loan that will be paid back over the decided term, with an interest rate that doesn't change. Best choice for you if:
- You want fixed payments for the full term of the loan.
- You want the security of knowing your interest rate will not change over time.
- You think interest rates could rise in the next few years.
Adjustable rate mortgage (ARM)
The rate is fixed during the initial term of the loan. After the initial term the rate and payment may adjust once each year for the remaining term of the loan.
Best choice if:
Best choice if:
- You are planning to move prior to the end of the initial rate period and therefore aren't concerned about future rate increases.
- You think interest rates could fall in the future.
Low down payment loans
At TCU, we believe in the power of options. That's why we're proud to offer solutions for homebuyers looking for low down payment possibilities. Through programs like Home Ready and Home Possible, we're helping families across the nation purchase their first home with smaller down payments.
Jumbo loans
A jumbo loan allows you to borrow a larger amount of money than a conventional loan. Our jumbo loans are available in a variety of terms:
- 7/1 Adjustable Rate Mortgage (ARM) Jumbo.
- The amount you need to borrow is over the conventional loan limits (which may vary by region).
For rates, assumptions and full disclosures, visit our daily rate sheet .
Parents looking at daughter playing in new house
Parents looking at daughter playing with packing peanuts. Happy family of three sitting on hardwood floor in new apartment. They are wearing casuals.
Services
When it comes to buying a home, there's a lot to consider. That's why at Thrivent Credit Union we provide resources and purpose-based guidance to help you navigate your home purchase journey.
Benefit from our member services today.
Benefit from our member services today.
Homeowners insurance is a crucial part of your financial plan. Without it, you'll be unprepared in the unforeseen event of a fire, storm damage, theft and more.
We're proud to help our members save more on homeowners insurance when they switch to TruStage, our partner who works to give members better rates with top-notch service.
Visit
TruStage to browse policies and discover discounts and savings.
Get a free quote
See how much you could save on home insurance.
TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Thrivent Federal Credit Union.
We're proud to help our members save more on homeowners insurance when they switch to TruStage, our partner who works to give members better rates with top-notch service.
Visit
Leaving TCU
You are now leaving Thrivent Credit Union's website. Deposit and lending services are offered by Thrivent Credit Union, the marketing name for Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principal amount invested.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
Leaving TCU
You are now leaving Thrivent Credit Union's website. Deposit and lending services are offered by Thrivent Credit Union, the marketing name for Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principal amount invested.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
Any data or personal information collected by websites other than Thrivent Credit Union (TCU) is not covered by TCU's privacy policy. We recommend you read the privacy policies of those sites as they may be different from TCU's policy.
See how much you could save on home insurance.
TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Thrivent Federal Credit Union.
Thinking about buying a home? TCU will help you open the right doors.
Below are 10 steps you can follow, so that you can move in with confidence.
Learn more about our10 smart steps .
Below are 10 steps you can follow, so that you can move in with confidence.
Learn more about our
Our Balanced Homebuying™ recommendation is the amount we've calculated for you to spend on a home. While you may qualify for a bigger loan, this amount would allow you to use part of your income for other things that are important to you, such as saving for retirement and giving back to your community.
Balanced Homebuying calculator