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Home Loans

Telcoe offers a variety of home loans to fit your needs. We offer the most competitive rates and closing cost in Arkansas on mortgage loans, home equity loans, and home improvement loans. We have branches in Little Rock, Sherwood, and Russellville.

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Benefits of Telcoe Federal Credit Union Home Loan Products

We offer the most competitive rates and the lowest closing costs on home loans in Arkansas so you can buy the home you want and comfortably afford your monthly payments. Get started with a simple online application today!

Financing Comparison

  FHA Conventional Construction Rural Development
  Credit History  Min 620 credit score1 Min 640 credit score Min 680 credit score Min 660 credit score
  Max Loan to Value 96.50% 95% 80% 100%
  Loan Limit  $420,680 $647,2002 No maximum3 Based on location
  Mortgage Insurance  4  5 N/A  6
1 Accepts borrowers 2 years out of bankruptcy and 3 years out of foreclosure.
2 Jumbo loans available.
3 Must meet construction loan guidelines
4 Must pay 1.75% of loan as insurance premium upfront, but can finance into loan. Annual mortgage premium approximately 0.85% of loan amount, divided equally into 12 monthly payments.
5 Monthly premiums apply until loan amount drops below 80% of home's value.
6 Must pay guarantee fee of 1.00% upfront, but can finance into loan. Annual mortgage premium approximately 0.35% of loan amount divided into 12 monthly payments.


Take advantage of competitive interest rates, flexible loan terms, and a range of loan options when you choose Telcoe for your home loan in Arkansas.

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Kitchen of a beautiful house bought with Telcoe mortgage loans.


Get a lump sum payment to finance your home improvements, debt consolidation, and more. Enjoy low fixed rates and terms of up to 10 years.

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Young couple painting the house thanks to a home equity loan.


Build your dream home with up to 80% financing and no maximum loan amount. Get your plans ready and we'll make payments at key stages of your journey.

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A couple thinking about applying for a home loan to build their dream house.


Borrow up to $25,000 with no equity needed when you use the funds to beautify and upgrade your home. Choose a term of up to 180 months.

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A man doing home improvements in Arkansas thanks to a home loan.

BUDGET First Time Home Buyer?


Check out our video that can help guide you through the home buying process and answer many questions.  Want to schedule a meeting with a Telcoe Home Buying Specialist? Contact us and we can set a virtual or in person appointment. 


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Apply for a Loan

Whatever you want to finance, applying for a loan online is fast and easy.