Happy couple shaking hands with a male loan lender.

We’re proud to offer competitive rates on a wide array of home loan options! Learn more and apply now by clicking on a specific product link below:

First Mortgages
At PCT Federal Credit Union, we know purchasing a home is a big decision. Our knowledgeable loan officers are here to help you weigh out your options and understand the benefits of home ownership. Whether you’re interested in conventional first mortgages or government programs, we are here every step of the way.

Government Programs:

  • FHA
  • VA
  • Reverse Mortgage
  • HARP 2.0
  • USDA

Call for Daily Rates or View Rate Table.

Apply for a New Mortgage Now!

Apply for a 30 Year Mortgage Refinance

Fixed Rate Home Equity Loan
Put your home’s value to work with the low interest, fixed payment benefits of a home equity loan. A fixed rate equity can subsidize home improvements, a new car, or that vacation you’ve always wanted to take. Enjoy the freedom of using your home’s equity towards anything that you can dream of. A fixed rate equity works great towards big, one-time purchases.

Find rates here


Home Equity Line of Credit (HELOC)
Tap into your home’s equity to pay for anything from home improvements to college tuition. With a low interest home equity line of credit, you have the flexibility to borrow what you want in increments as low as $500. Save on interest by borrowing only what you need. With check writing capability, accessing your HELOC is now easier than ever!

Find rates here

Apply for a HELOC Now!