From Handshakes to House Keys—
We’re Ready When You Are
From your first meeting with one of our mortgage lending specialists to your final home payment, we keep your loan right here in Nashville.
No outsourcing, no fuss—just good ol' fashioned, local service.
Your Hometown Loan
At Old Hickory Credit Union, we believe that buying a home should feel personal – because it is! So don't think of us as just your mortgage provider: We’re your neighbors too.
Real Service from Real People
- No Outsourced Call: When you call, you’ll get connected with someone right here in Tennessee.
- Local Decisions: Our loan officers are right here in Nashville, ready to help you at every step.
- Personalized Approach: We’ll work with you to find the loan that fits your needs and budget.
We’re Here to Yak with Y’all!
Have questions about the home buying process? Need some advice on getting the best rate? We’re here to help, and we’re always just a phone call away.
Our team is committed to making your mortgage journey sweeter than tea – no hidden fees, no confusing terms, just straight-up service.
First-Time Homebuyer Program
Buying your first home is a big step, but it doesn’t have to be overwhelming! Our First-Time Homebuyer Program is designed with you in mind.
We offer pre-approvals, competitive rates, and the kind of service only your local credit union provides. Start your journey with confidence, knowing OHCU’s got your back from the get-go.
See just what you can expect with our FREE First-Time Buyer's Guide below!
Ready to Find Your Home?
We've shot the breeze enough, so what do you say, neighbor? Find your way home with an OHCU Mortgage today.
Your Home Holds More Than Memories
It Holds Opportunity.
Access the equity you’ve built in your home and use it when the time is right.
✔ Borrow what you need, when you need it
✔ Local lending decisions you can trust
Apply Today or Speak With a Lending Specialist
Your Home Has Been Part of Your Story
From family dinners to quiet evenings, your home has held countless memories.
Now it can help support what comes next.
A Home Equity Line of Credit gives you flexible access to the value you’ve built in your home — so you can move forward with the plans that matter most.
A Flexible Way to Use Your Home’s Equity
With a HELOC, you can borrow against the equity in your home and access funds when you need them.
Many members use their Home Equity Line of Credit for:
- Home renovations and upgrades
- Kitchen or bathroom remodels
- Major home repairs
- Consolidating higher-interest debt
- Preparing for the next stage of life
Whatever your plans look like, your home’s equity can help you get there.
Let’s Explore What’s Possible
Our lending team is here to help you understand your options and find the right solution for your goals.
Apply today or connect with a lending specialist to get started.
We offer Fixed Rate (Closed End) and Variable Rate (Open End) Home Equity Loans.
Second Mortgage Loans
- Fixed Rate (Closed End) Loan
- One time draw
- We offer 5 year, 10 year, and 15 year terms
Home Equity Lines of Credit
- Variable Rate (Open End) Loan
- 10 year draw period with a 10 year repayment period
- Payment = 1% of outstanding loan balance at the end of each month
Documents needed for Home Equity Loan
- 30 days most recent paystubs
- 2 years Federal Tax Returns, W-2’s, and supporting Tax documents
- 2 months Bank Statements and Retirement Statements
- Declarations page for Homeowners Insurance
- Most recent Mortgage Statement