TUCOEMAS Federal Credit Union offers the Tulare County Community a variety of traditional and non-traditional mortgages. Whether you're in the market to purchase or refinance a home, TUCOEMAS, has a loan program that's right for you.
Not a member? Click here for information about membership eligibility at TUCOEMAS Federal Credit Union.
First Trust Deeds
30-year (up to 80% loan to value) owner occupied single family First Trust Deed loans are available.
Second Trust Deeds
TUCOEMAS provides fixed rate Second Trust Deed loans. Members may apply for up to 80% loan-to-value and can repay up to 15 years (owner occupied only).
Home Equity Line of Credit
The Home Equity Line of Credit (HELOC) allows you to borrow against your home's accumulated equity without disturbing your savings or other investments. HELOC has a low interest rate and there are no loan-advance fees, annual fees, or points. Advances can be requested online, through TellerPhone, or by calling the Real Estate Department.
- Maximum line of credit: $250,000
- Minimum initial advance: $5,000
- Minimum subsequent advances: $500
For more information, please call a loan representative at (559) 737-5780 or visit our Real Estate Department at our Cypress Branch in Visalia.
All terms subject to change without prior notice.
Signature Home Improvement Loan
This loan is for the purpose of home improvement on an owner occupied primary residence. Borrowers must be working with a licensed contractor/business to perform improvement to their home. Examples include: Solar, Water wells, windows, roofing, pool, etc..
- Loan amounts $10,000-$35,000
- Terms up to 96 months
- Tiered rates: 6.50% - 9.50%
- No Home Equity needed
- No Appraisal or loan fees
Mason-McDuffie Mortgage Credit Union Division
Mason-McDuffie is a proud partner of Tucoemas FCU. They have been working with credit unions for over 30 years and have two local loan officers available for your convenience. Please contact Cindy Kemp at (559) 549-7171 or Ryan Miller at (559) 307-2368 for any questions regarding the following loan programs:
- First time home buyers programs
- Down payment assistance programs
- Purchases up to 96.5%
- Refinancing up to 95%
- 1-4 family properties
- Condos and PUD's
- FHA & VA loans
- Non-owner occupied properties