Our team of experienced mortgage professionals is passionate about finding the right mortgage solution to meet your needs. Our staff will work efficiently and proactively to help get you in the home of your dreams. We believe strongly in building long term relationships, so you can have confidence knowing we will never sell your mortgage after it closes.


Let's get started today in helping you get into the home of your dreams. Our experienced staff is ready to guide you through the process. Apply today!

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Check Rates


The Annual Percentage Rate (APR) is the annual cost of a loan including fees. Programs, rates, terms and conditions are subject to change without notice. Rates may vary based on individual credit history. Please contact the credit union for current rate information.


Buying a home is one of the biggest decisions a person makes during their life time. Working with a trusted partner during this process can save a lot of headaches and help avoid many of the pitfalls that could come up during the home purchase process. We strive to educate and assist our clients to navigate the home buying experience in a quick and stress-free process.

Products offered:

  • Up to 97% loan to value
  • Condos/manufactured homes
  • Investment properties
  • First-time homebuyers

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When you're making your decision to refinance, there are several things to keep in mind.

If your current interest rate is significantly higher than today's lowest rates, you may be able to roll your loan costs into the loan and still get a lower rate than you have today, thereby reducing your interest payments and saving money immediately.

Second, if you are planning to stay in your home for at least three to five years, it may make sense to pay "points" (a point equals 1% of the loan amount) and closing costs to get the lowest available rate.

And third, you can avoid laying out cash and still get a low rate by adding the points and closing costs to your new mortgage. Does that mean shouldering a lot of extra debt? Not necessarily. If you've had your current mortgage for at least three years, you've probably reduced your balance by several thousand dollars. So you may be able to tack your closing costs onto your new loan and still end up with a mortgage that's smaller than your original one -- plus, of course, a lower rate and lower monthly payment.

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Our Team

Gayle Taylor

Mortgage Loan Manager

5123 Hwy 11s
Calhoun TN 37309

NMLS# 616764

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Nikki Black

Loan Officer

1040 King St
Cleveland TN 37311

NMLS# 1985165

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Kevin Cardin

Loan Officer

1112 Congress Pkwy S
Athens TN 37303

NMLS# 1106716

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Call us today at 866.285.4215
5123 Highway 11 South | Calhoun, TN 37309 | NMLS Number: 554207

NCUA Equal Housing Lender