MORTGAGECount on Tulare Federal to make your home buying dreams a reality. At Tulare Federal, we've helped thousands of members realize their dream of home ownership, by partnering up with CUSO Mortgage to offer affordable real estate loans. Our experienced and friendly mortgage professionals are ready to help find the program that is right for you. Tulare Federal focuses on the individual needs of our members by offering: 
         Flexible underwriting 
         Low rates and closing costs 
        Online application status and rate tracking 

Tulare Federal offers various types of mortgages to fit your lifestyle: 
        Traditional fixed rate mortgages (15, 20, 30 year) 
        Adjustable rate mortgages (ARMs) 
        FHA loans 
        Rental property

For more information click here to visit our mortgage partner, CUSO Mortgage.
Home Equity Programs
A Home Equity Loan from Tulare Federal is the smart way to finance nearly anything. Interest rates are much lower than personal loans, and when you use your home as collateral for a loan, the interest is tax-deductible, making your effective interest rate even lower.
Consider a Home Equity Loan for: 
         Home improvements 
         College tuition and expenses 
         Vacation or wedding expenses 
         Bill Consolidation

Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit provides a flexible source of cash. Access funds as you need them, up to your approved limit. Plus, you can transfer funds to your Tulare Federal Checking Account 24-hours a day through PCU, here on our Online Banking System, or with our 24-Hour Telephone Account Access System. A Home Equity Line of Credit from Tulare Federal offers many advantages including: 
         Competitive variable rates 
         Variable rate of interest, subject to adjustment (rate would never exceed 18%) 
         Draw period for up to 10 years 
         Low processing fee 
         Tax deductible interest in many cases* 
         Payments based on the balance used 
         Borrow up to 90% of the market value on your primary residence

Fixed Rate/Term Home Equity
If you are looking for a fixed amount to be repaid over a specific time period with a fixed interest rate, consider a Second Mortgage. 
         Equal monthly payments 
         Up to 90% of equity available** 
         Terms up to 15 years, based on amount financed
*Please consult your tax advisor about your particular situation.
**Subject to credit union approval of equity requirements.