Home Improvement

FHA Title 1 Loans

House on stack of money

The FHA Title I Home Improvement Loans do not require any available home equity. The maximum loan amount for this loan is $25,000 and is available to qualified members.

For your convenience, you can immediately print an application here. Please bring the following items with you to your application submission appointment:

  • Four recent pay stubs or a letter of employment stating seniority date, rate of pay, your name, social security number, current working status and average hours worked per week.
  • Copy of your social security card.
  • Proof of ownership of property will be verified by providing a certified copy of the deed or title policy insurance or the mortgage. These documents must contain your names and the legal description of the property.
  • A recent paid city/county tax statement.
  • A written estimate of the work or repairs to be done.
  • Signed "Certification of Non-Manufactured Home" for loans over $5,000.00 (Included in the application packet).
  • Proof of homeowners insurance.

For self-employed Members:

  • Copy of recent business financial and operating statement.
  • Copy of last two years 1040's.

For FHA loans over $7,500.00 we will also require:

  • Purchase of a flood certificate. (Ordered by TCCU, current cost $14.00, subject to change at any time.)

Some improvements or repairs are not eligible for this type of loan. Please contact us for further information.

NMLS ID#729799