Buy or Refinance with Confidence
Whether you’re buying a home or refinancing, our mortgage options are designed to fit your needs. Our local, experienced Mortgage Loan Officers guide you every step of the way. With our On-Time Closing Guarantee and the free HomeAdvantage® program, you can buy or sell a home with confidence—and earn cash rewards at closing.
Mortgage Types
Conventional Mortgage
Whether you're buying a home or refinancing, we offer flexible options to meet your needs:
- Fixed-rate mortgages: steady payments for 15, 20, or 30 years
- Adjustable-rate mortgages (ARMs): capped rates, ideal for lower payments or short-term ownership
- Jumbo loans: for higher-value properties
- Investor loans: for rental or income properties
- No prepayment penalties on any FBFCU mortgage
VA Loan
VA loans help service members, veterans, and surviving spouses buy, build, or improve a home with flexible, VA-backed financing.
- No mortgage insurance required
- Low or no down payment
- Lower closing costs (sometimes covered by the seller)
- No early repayment penalties
- Reusable benefit for future home purchases
- Potential payment assistance through the VA
FHA Loan
FHA loans are a great option for first-time buyers, or those with limited savings or lower credit scores (as low as 580), who may not qualify for conventional financing. They can also help to cover payments and closing costs.
- Down payments as low as 3.5%
- Lower closing costs
- No high credit score required
USDA Loan
USDA loans help eligible rural buyers with low- to moderate-income finance up to 100% of a home’s value, backed by a 90% loan guarantee.
To qualify, applicants must:
- Meet income and credit requirements
- Use the home as a primary residence
- Be a U.S. citizen or qualified non-citizen
- Purchase a property in a USDA-eligible area
- Not suspended or debarred from federal programs
10-Year Mortgage
While 30-year mortgages offer lower monthly payments, a 10-year mortgage can save you money and build financial freedom faster.
- Pay off your home sooner and reduce long-term interest
- Build equity faster, giving you more borrowing and refinancing options
- Gain financial flexibility sooner to focus on investing, growing a business, or pursuing other goals
Speak with a Loan Officer
Tanya Zoppi, Mortgage Loan Originator
NMLS #106825
Email: TanyaZ@FortBraggFCU.org
Office: 910-864-2232 Ext. 8255
Cell: 910-690-7112
Whether you have questions or need guidance, our team is ready to assist you every step of the way.
Feel free to email, call, or click a button below!
On-Time Closing Guarantee
We guarantee on-time closings for qualifying purchase loans, or we’ll credit you $500 at closing.
Eligibility for Closing Guarantee:
- W-2 borrower with 2+ years at the same job
- FHA or Conventional loan
- Credit score of 680+
- Loan amount between $200,000–$679,650
- Primary, owner-occupied home
- Full income/asset docs and signed contract provided
- Desktop Underwriter approved
- Filed tax returns for the last 2 years
All loan conditions must be received 7 business days prior to closing. Minimum loan processing time is 21 days. For more on eligibility and requirements, please contact us.
