Ready to start shopping for your dream home or looking to refinance your existing loan? Give us a call at 931-454-1300 or apply online.

Buying a home is more than just a purchase, it’s a major life milestone and often the largest investment a person makes in their lifetime. At Ascend Federal Credit Union, we understand how exciting and overwhelming this can be, especially if it’s your first time navigating the mortgage process. That’s why we’re here to help you feel confident and secure every step of the way.

Know When You’re Ready with SavvyMoney
Before you begin house hunting, it’s important to understand where you stand financially. With our free SavvyMoney credit tool, you can monitor your credit score, pull a credit report, and receive personalized tips on how to improve your score from the convenience of our Ascend Digital Banking platform — all without a hard pull on your credit. Working to improve your credit score before beginning the homebuying process may make it easier to get preapproved and obtain a better lower rate on your loan. Be sure to utilize our free budget worksheets to calculate your debt-to-income (DTI) ratio, your gross monthly income, or start a budget to save for a downpayment and further prepare yourself for your homebuying journey

Consider Getting Prequalified
A great first step once you know you’re ready to purchase a home is to get prequalified. Prequalification allows you to understand exactly how much house you can afford and shows sellers and real estate agents alike that you’re a serious buyer. Beyond that, prequalification gives you peace of mind knowing that the house you’re shopping for fits your lifestyle and budget. Click here to start the prequalification process today.

Local Experts, Personalized Support
Once you’ve checked your credit and got preapproval, it’s time to start house hunting! Luckily, here at Ascend we have local mortgage loan originators to guide you through the process from start to finish. Your representative will seek to understand your unique goals and recommend loan options that work for your budget, lifestyle, and future plans.

Flexible Loan Options, Trusted Service
Whether you're looking for a fixed or adjustable-rate mortgage, a lower down payment, or options that avoid private mortgage insurance (PMI), Ascend has a mortgage solution that fits your unique situation. And the best part? Aside from FHA and VA loans, we service all loans locally from right here in Middle Tennessee. That means your mortgage stays with us after closing, and we are available to help with your ongoing needs.

Be Aware of Deceptive Marketing Tactics
Once you close on a home, it’s important to be mindful of deceptive tactics companies may use to market their products or services. Some companies will buy lists from credit bureaus based on recent credit inquiries or search public records to identify individuals with newly recorded mortgages and which financial institution funded them. This allows the companies to aggressively market their services via mail or phone, often using urgent language like “Final Notice” or “Call Immediately” to pressure people into responding quickly. Letters will usually have fine print at the bottom stating they are not affiliated with your financial institution, but it can be easy to miss. Educating yourself on these practices ahead of time will help prepare you for when you receive these types of communications.

We’reHere for You
In a world full of phone scams and misleading offers, having a trusted advisor makes all the difference. Ascend is committed to protecting your financial journey and helping you make smart, informed decisions.

Ready to take the first step?

Call us today at 931-454-1300 to speak with a local Ascend Mortgage Loan Originator, or apply online.

Federally insured by NCUA. Equal Housing Lender. NMLS#451452. All loans are subject to credit approval.

We do business in accordance with the Federal Fair Housing Laws and the Equal Credit Opportunity Act.