Home Loans

¹New or existing Tyndall member who applies for a mortgage will receive $1,000 towards closing costs. Must borrow a minimum of $180,000 purchase/refinance ‘Financed Amount’ to qualify. The buyer credit is applied during the members’ closing and comes out of the closing costs. This is a limited-time offer and may be discontinued at any time without notice. Closing cost offer must be used for member-paid closing costs and cannot exceed actual costs paid. Excludes Construction Loans, Hometown Hero Mortgage, Alabama Housing Mortgage Program and investment properties. Subject to the completed application, loan approval, and closing. Rates and maximum Loan-to-Value are based on the borrower’s creditworthiness. Offer subject to change without notice. Some restrictions apply.

²Subject to completed application and verification. Interest rate, term, and loan-to-value (LTV) are based on creditworthiness. ARM loans are variable rate loans, where interest rates and payments may increase after consummation. A 7/6 ARM has an initial fixed interest rate for the first 7 years, then adjusts every 6 months thereafter based upon an index, plus a margin. After the initial 7 year fixed-rate period, your interest rate can increase or decrease every 6 months according to the market index. Any change may significantly impact your monthly payment. Repayment Example: A 7/6 Adjustable Rate Mortgage at 5.50% Interest Rate, 6.055% APR, and 6.25% Fully Indexed Rate - A $200,000 mortgage loan would be paid in 84 monthly payments of $1,135.58, and would then adjust to $1,214.78 for the remaining 276 months (assuming fully indexed rate). Annual Percentage Rates (APR) reflect 20% equity based on appraisal or sale price, whichever is lower. APR with lower down payments and refinances may vary. Payments do not include amounts for taxes, insurance premiums, and private mortgage insurance, if applicable, and that the actual payment obligation will be greater. Rates are subject to change without notice. Additional terms and conditions apply.

³To qualify for the Hometown Heroes Mortgage, Tyndall members must live and work full-time for a Florida-based employer in an eligible occupation. Ask a Tyndall Mortgage Loan Originator for occupation eligibility. Applicant must be a first-time home buyer that hasn’t owned a home in the past 3 years and the loan must be for their primary residence. Other eligibility requirements apply in accordance to the Hometown Hero Mortgage program. $1,000 off closing costs promo does not apply to the Hometown Heroes mortgage. Homeowner education course is required. Second mortgage to be used for down payment and closing costs and is required to be paid in full due upon sale, transfer, refinance, or no longer residing at the property as a primary residence. The second mortgage is equal to 5% of the total loan amount interest free (minimum $10,000 not to exceed $35,000). Other restrictions apply. Additional documentation is required. All loans subject to credit review and approval. Underwriting terms and conditions apply. Documentation of employment or any applicable certification may be required. Offer subject to change without notice. Membership required; NO membership fee applies. Tyndall NMLS #597599.

⁴To qualify for the Alabama Housing Mortgage program, Tyndall members must live or intend to live in Alabama. Must be the primary residence. Other eligibility requirements apply to the Alabama Housing Mortgage program. $1,000 off closing costs promo does not apply to the Alabama Housing Mortgage program. A homeowner education course is required. Other restrictions apply. Additional documentation is required. All loans are subject to credit review and approval. Underwriting terms and conditions apply. Documentation of employment or any applicable certification may be required. Offer subject to change without notice. Membership required; NO membership fee applies. Tyndall NMLS #597599.

⁵Source: Based on a Mortgage Research study conducted by a financial research firm in May 2025, based on 19 local Mortgage Lenders, on average Tyndall charges half of the total lender fees and closing costs on traditional mortgages. Membership required; NO membership fee applies. Tyndall NMLS #597599.

⁶Land is eligible for purchase financing only; cash-out refinancing, including home equity loans and lines of credit, is not available for land. Tyndall Land Loans are available in parts of Alabama and Florida where Tyndall branches are located. Loan applications are subject to application and approval criteria, including credit history and appraisal. Must meet minimum credit score and program guidelines. Speak with a Tyndall Mortgage Loan Originator for complete details on Tyndall Land Loans. All rates and offers are subject to change without notice. Loans subject to credit approval. Rates and terms are for illustrative purposes only and are subject to change without notice. Other restrictions may apply. Origination fees may apply. Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed and other factors. TFCU land loans are available only on property within our field of membership. The maximum amount you can borrow is 80% of the land value for Land Loans up to $200K. The maximum amount you can borrow is 70% of the land value for Land Loans over $201K. Borrower will be responsible for certain closing costs which may include title insurance, appraisal fee, and survey costs. "Estimated Payment per $10,000 with 6.50% APR would be $100.19" the amount listed does not include amounts for taxes, insurance and similar items, if applicable. Actual payments will be higher. 

We do loans in all states except Alaska, Hawaii, California, and Texas.
Membership required; NO membership fee applies. Tyndall NMLS #597599.