TCU offers a variety of specialty loan programs with low down payments and other favorable terms to help individuals who might not qualify for traditional financing.

Hometown Heroes Mortgage Program

  • Available to law enforcement employees, fire department employees, medical organization employees and school employees (per eligibility requirements)
  • Qualified borrowers can finance up to 100% of purchase price
  • Gift funds and seller contributions allowed
  • Fixed and variable rates available
  • Loan terms up to 30 years
  • Purchase transactions only

Government-Backed Mortgage Programs


  • Government-backed loan
  • Low, fixed interest rate
  • Reduced down payment options
  • Down payment can be a gift from a family member or other eligible donor
  • Good option for first-time homebuyers with modest incomes
  • Eligibility includes those with a lower credit score or blemished credit history


  • Available to qualified veterans, current military personnel, reservists and surviving spouses
  • Up to 100% financing without mortgage insurance
  • Low down payment
  • Less restrictive qualifying terms than conventional mortgages
  • Easy refinance options for eligible borrowers

USDA Rural Development

  • No down payment required
  • Low closing costs
  • Allows borrowers to use a gift or grant to go toward their mortgage
  • Geographic restrictions as to home location