Let our knowledgeable mortgage lending staff assist you in purchasing your dream home!
Whether you are a first time homebuyer or a seasoned veteran, Family Savings can guide you through the home-buying process. A wide array of options and terms as well as local decision making is what you will find when financing through your credit union.
- Purchases or Refinancing with Competitive Rates
- Local decision-making and processing
- Wide range of options and terms
- Conventional Loans
- FHA, VA, USDA and Rural Development Loans
- Home Equity Lines of Credit
- Fixed interest rates
- Second Mortgages
- Construction Loans
- Low closing costs
- Free pre-qualification to increase buying power
- Personalized service every step of the way
For a Conventional Loan (Up to 30 years), FHA, VA, USDA, or Rural Development Loan, contact Amy Jackson.
Amy Jackson 256-439-5676 or 888-311-3728 Ext. 5676 | NMLS# 801592
For a Conventional Loan (up to 15 years), Land, New Construction or Home Equity Line of Credit (HELOC), contact a Home Mortgage Specialist below.
Michelle Richards | 888-311-3728 Ext. 8221 | NMLS# 476566
Cindy Crenshaw 888-311-3728 Ext. 5921 | NMLS# 860337
Trisha Morel | 888-311-3728 Ext. 8207 | NMLS# 1948879
Home Equity Lines of Credit
Imagine the Possibilities! Go Ahead... Dream Big!
We are always dreaming of an exciting project or adventure, but we don't always have the funds handy. Family Savings CU has a quick, easy way to get you started on fulfilling your big dream!
Simply apply for a FAST CASH Home Equity Line of Credit and unlock the extra cash available in your home. There are NO interest charges until you use your funds. With our quick turn-around time, you will have the power to get started on your next adventure. A FAST CASH Home Equity Line offers:
- A low competitive rate
- Possible tax deductions for our interest payments (consult your tax adviser)
- Generous credit limits up to 100% of the value of your home
Best of all, when you have a Family Savings HELOC, cash is there when you need it. Use your funds to build a new pool, spruce up your landscaping or go on an exciting vacation. Let Family Savings make your dreams come true. Call a Mortgage Specialist Today @ 888-311-3728 and follow prompts to be connected. Or get started by clicking the link below.
All loans are subject to qualification, required documentation and credit approval. 10-year draw period. Repayment period
is 10 years. Minimum Payment Example: Making only the minimum monthly payment and no other credit advances, it would
take 20 years to pay off a credit advance of $10,000.00 at a rate of 5.00% APR. During that period, you would make
120 payments of $100.00 followed by 119 payments of $9.99 with a final payment of $10.01. The fully indexed
Annual Percentage Rate (APR) is subject to change monthly. Your rate will never be less than 3% or exceed
12% or the maximum allowed by law. Federally Insured by NCUA. Equal Housing Opportunity. NMLS # 800746.
GreenPath HUD Consumer Resources
Members may also contact our financial wellness partner, GreenPath Financial Wellness , and speak with a HUD Certified Home Loan Specialist at 1-877-337-3399 or simply visit their website. These certified specialists will be able to answer questions about the responsibilities of home ownership, buying vs. renting, and much more. In fact, GreenPath was one of the first organizations approved by the U.S. Department of Housing and Urban Development (HUD) to conduct housing counseling. You will also find valuable tools in the Housing Consumer Resources section of their website like " Your Home Loan Toolkit " produced by the Consumer Financial Protection Bureau (CFPB).
Full account disclosures upon request. Equal Opportunity Lender. Membership not required for application. Some mortgages may not be serviced by FSCU. All loans are subject to credit approval. FSCU NMLS #800746. FEDERALLY INSURED BY NCUA.