Mortgage Loans

There’s no place like home. We can get you there faster.

Our personalized, expert service means you’re more than an anonymous loan number.

Competitive Rates
We’re known for having some of the lowest rates around. And on your biggest purchase, that means more money in your pocket.
Local, Fast Decisions
Our staff of experts handle everything locally. That means fast approvals and even faster closings.
Free 60-Day Rate Locks
Gain peace of mind knowing you can lock in your rate for a full 60 days with no fee. Because we’re cool like that.

We received our mortgage payoff documents! It’s been a blessing and a pleasure to be a Telco member, especially because of the excellent, professional service! Thank you!

John D., Credit Union Member since 2007

See Today’s Rates

FIRST MORTGAGE PURCHASE & REFINANCE - 15-YEAR FIXED
Loan Amount	Maximum Financing	Rate*	APR*
* All rates, fees, and terms are subject to change, not guaranteed and are based on credit qualifications and lending guidelines.
Loan Amount Up to $99,999	Maximum Financing Up to 97%	Rate* 3.250%	APR* 3.477%
Loan Amount $100,000 - 199,999	Maximum Financing Up to 97%	Rate* 3.125%	APR* 3.310%
Loan Amount $200,000 to $510,400	Maximum Financing Up to 97%	Rate* 3.000%	APR* 3.163%
Loan Amount $510,401 to $1,000,000	Maximum Financing Up to 80%	Rate* 3.250%	APR* 3.403%

FIRST MORTGAGE PURCHASE & REFINANCE - 30-YEAR FIXED
Loan Amount	Maximum Financing	Rate*	APR*
* All rates, fees, and terms are subject to change, not guaranteed and are based on credit qualifications and lending guidelines.
Loan Amount Up to $99,999	Maximum Financing Up to 97%	Rate* 3.625%	APR* 3.753%
Loan Amount $100,000 - 199,999	Maximum Financing Up to 97%	Rate* 3.500%	APR* 3.604%
Loan Amount $200,000 to $510,400	Maximum Financing Up to 97%	Rate* 3.375%	APR* 3.467%
Loan Amount $510,401 to $1,000,000	Maximum Financing Up to 80%	Rate* 3.625%	APR* 3.712%

You can pay online, by phone (fee may apply), by mail or at your nearest branch location. You can also set up a recurring automatic withdrawal payment option.

All mortgage payments are due on the 1st of the month and are considered late after the 15th of the month.

Baton Rouge Telco offers real estate loans for new home purchases, land purchases, 1st and 2nd mortgage refinancing with cash-out options, and home equity lines of credit (HELOC). We do not offer loans for mobile homes, condominiums (townhomes are acceptable), or investment properties.

See all Home Loan FAQs