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Mortgage Loans

Build, buy, or refinance the home of your dreams.

Put Down Roots and Flourish

Whether you’re a first time home-buyer, refinancing your existing mortgage, or purchasing a new property, ORNL FCU offers mortgage loans designed to help you thrive.

Competitive Loan Rates

Benefit from low interest rates.

Simple Application Process

Stress-free applications with fast processing help you quickly get financing.

Convenient Payment Options

Make payments at your local branch, Interactive Teller Machine (ITM), or online 24/7.

Dedicated Member Support

Build a successful financial future with our committed team of financial advisors.

Buy, Build, or Refinance — and Thrive.

At ORNL FCU, we offer mortgage loans designed to fit your specific needs, with your best interest in mind.

  • Choose from personalized loans with terms from 10–30 years.*
  • Local loan processing and underwriting.
  • 100% financing available.*
  • Select jumbo loans, construction loans, permanent loans, and vacant land loans (up to 80% loan-to-value).*
Apply Now

See Current Rates on Mortgage Loans

Meet Our Mortgage Team

Connie Aytes headshot
NMLS #: 477008

Connie Aytes

Mortgage Loan Originator - Kingston and Loudon

Ronnie Barnes headshot
NMLS #: 779819

Ronnie Barnes

Mortgage Loan Originator - Morristown, Sevierville, and Millertown

Karen Coffey headshot
NMLS #: 167262

Karen Coffey

Mortgage Loan Originator - Clinton and LaFollette

Kyria England headshot
NMLS #: 477011

Kyria England

Mortgage Loan Originator - Oak Ridge Branches

Renata Farley headshot
NMLS #: 477009

Renata Farley

Mortgage Loan Originator - Farragut and West

Roy Ogle headshot
NMLS #: 477007

Roy Ogle

Mortgage Loan Originator - Halls, Fountain City, and Maynardville FC

Heather Rankin headshot
NMLS #: 477010

Heather Rankin

Mortgage Loan Originator - Karns, Middlebrook FC, and North Knoxville

Crysta Roberts headshot
NMLS #: 695850

Crysta Roberts

Mortgage Loan Originator - Bearden, East, and South

Calculate Your Monthly Payment

Figure out your mortgage loan or loan refinance.

Explore Your Options

We offer many loan types to help you with your financial needs.

We Do More Than Just Mortgages

Let ORNL FCU be your full-service financial institution.

*Terms may vary based on credit, acreage, and other restrictions. Additional fees may apply. Speak with an ORNL FCU loan representative for more information.