Home Loans

TOPCU knows that buying a home is one of the biggest financial decisions of your life! We are here to help with friendly, knowledgeable service and a variety of products designed to help you achieve the dream of home ownership. We’ve assembled a team of lending specialists who can walk you through each step of the home loan process with confidence and ease. We also ensure that our home loan products are best suited for your specific needs.

Home Loan Rates

Type/Term APR Payment per $1,000 Borrowed**

First Mortgages

Centennial Lending
Fixed-Rate Home Equity Loan (Second Mortgage)

  • $25,000 Minimum 
as low as 7.00%* $11.62/month
Variable-Rate Home Equity
Line of Credit (HELOC)**

  • $25,000 Minimum 
  • First Advance $10,000 Minimum
  • Subsequent Advance Minimum $10,000
as low as 5.50%* $6.89/month

APR = Annual Percentage Rate. *Subject to credit approval. **Minimum payment is lessor of $50 or balance owed. All fees paid at closing; no additional transaction fees once funded. Rates are current as of January 19th, 2018.  

Take advantage of credit union member exclusive discounts on homeowners and renters insurance programs. Learn more about TruStage Insurance benefits.

For First Mortgage Loans – Centennial Lending

TOPCU is proud to have partnered with Centennial Lending, a credit union-owned service corporation. Centennial serves as the processor and servicer for TOPCU mortgage loans. And, while the online application is processed through Centennial, TOPCU is still here to help you along the way.

Current Centennial Mortgage Rates

Fixed-Rate Second Mortgages

A second mortgage, also known as a home equity loan, is secured by the home or property. There can be various reasons to take out a second mortgage, such as paying off debts, financing home improvements, or college expenses. TOPCU’s second mortgages have a fixed rate and repayment schedule.

Home Equity Lines of Credit (HELOC)

HELOCs offer members flexibility to access the equity in their home as a revolving line of credit.

  • 5-year draw period
  • No annual fee
  • Variable rates adjust annually

Rate increases are capped at 2% per year, with a maximum increase of 5% above the initial rate over the term of the loan. For example, if the initial rate is 4.25%, the maximum rate would cap at 9.25%. 

SAFE ACT Disclosure

In accordance with the Secure And Fair Enforcement for Mortgage Licensing Act (S.A.F.E. ACT) please find the list of registered Mortgage Loan Originators with their unique identifiers:

  •  Tucson Old Pueblo Credit Union NMLS # 441750
  • Petar Jelinic NMLS #1627696
  • Ryan Schief NMLS #1485040
  • Amanda Lindsey NMLS #1570584
  • Jamie Hoyt, NMLS #525666
  • Melanie Lefler, NMLS #1570869