Home Loans
Looking to purchase, refinance, or update your home?
Buying a home is exciting.
It can also be nerve-racking. FedEx Employees Credit Association can help make buying a home easy. With our great rates, it can also be affordable. Our Loan Team will help you select the best option for your investment!
Get started today!
There are so many home loan options available, it can be confusing.
Our Loan officers will personalize the option that best fits your needs AND your budget. Here are the types of loans available for FECA members.
Mortgages
- Quick, online application process with free pre-qualifications
- Online learning tools including mortgage term glossary, how-tos, application checklists, and more
- Experienced live loan officers available to answer your questions, explain your options, and offer advice. Call 877-512-3319
- Mortgages are currently not available in Hawaii, Alaska, or New York.
Mortgage Refinancing
Achieve your financial goals by refinancing your existing home.
Already have a mortgage and want to refinance? Refinancing makes sense if you want a better interest rate, a shorter term, or to turn the equity you’ve built into cash. Speak with a Loan Officer to see if refinancing your existing loans is a good option for you.
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Home Equity Loan
Home equity is the difference between how much you owe on your mortgage and how much your home is worth. A FECA home equity loan allows you to use your home’s equity to help you pay for life’s big expenses.
Let the equity you’ve worked so hard to build do double-duty as loan collateral. With fixed rates and terms, our home equity loan can be used for a single large purchase or project that you want to pay back over time.
- Terms up to 15 years
- Interest may be tax deductible (consult your tax advisor)
- Standard closing costs are waived.
- Home Equity Loans are currently not available in Hawaii, Texas, or Puerto Rico
Home Equity Line of Credit
Start your next home improvement project with a FECA Home Equity Line of Credit, a flexible line of credit secured using your home’s value.
With lower rates than a typical home loan, a Home Equity Line of Credit (HELOC) lets you do more with your money. Your hard-won home equity can be used to establish a revolving credit account that you can use as needed for anything. Use the money when you need it, repay, and use it again!
- Tiered rates based on prime
- Standard closing costs are waived
- Draw on your credit line via check, online transfer, or phone
- Online payment option
- Rate as low as Prime + 0%. See all rates
Need to adjust your existing loan payments?
Mortgage Calculators
From estimating closing costs to deciding how much home you can afford, our home finance calculator can help you make decisions about your mortgage.
Featured Calculators
How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.
Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender’s point of view.
Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.
This calculator allows you to “peek into the future”, allowing you to see the remaining balance of your mortgage after several payments.
How Much Income do I Need to Qualify?
Do you need to know how much money you must earn to purchase the house of your dreams? This calculator will help you figure it out.
What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.
Comparison Calculators
Which Loan is Better?
Can’t decide which loan offer is better? Input your numbers here and lock-in the best offer.
Standard vs. Bi-Weekly
You heard that bi-weekly payments can significantly decrease the time of mortgage payoff? Check it out with this calculator.
Rent vs. Buy
Still renting an apartment and thinking about a home purchase? This calculator can help you make the final decision.
Benefits Calculators
Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.
Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.
Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.
Miscellaneous Calculators
Have you ever wondered how much you pay for every $1,000 of your mortgage loan? Find out here!
What is The Real APR for That Loan?
This calculator estimates your real APR (Annual Percentage Rate) with points.