Mortgage Lenders: Local vs Online | Town & Country Credit Union

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Town & Country Credit Union

Town & Country Credit Union

COVID-19 Update

Our lobbies are now open, with the exception of our Fargo Sanford location which will remain temporarily closed due to visitor restrictions at the Sanford Broadway Medical Center.

We're asking you to join us in taking precautions to help keep all of us healthy:

  1. Use the hand sanitizer that's available near the entrance.
  2. Maintain a 6-foot distance whenever possible. Stickers have been installed on the floor for you to stand on while waiting in line.
  3. Plexiglass germ guards have been installed on our teller lines. Please stand behind them while conducting your business.
  4. Masks are allowed, but not required in our branches. If you do choose to wear a mask, we ask that you do not wear anything else that would obstruct the view of your face such as a baseball cap, sunglasses or a hood.
  5. Do not come in if you’re feeling sick. Give us a call or access your account online to conduct your business.
  6. If you need to meet with an account opener or loan officer, call us to make an appointment by calling 1-800-872-6358. When you get to the branch, wait in your car until your scheduled appointment time.

We’re looking forward to serving you in our branches, but also understand that some of you may prefer a no-contact method of conducting business. You can still open an account or apply for a loan online, access your accounts through TCCU Online and our mobile app, or give us a call to make a transfer, loan payment or more. 

Mortgage Lenders: Local vs Online

The time has come and you’re ready to begin the home buying journey! Finding the right professionals to guide you should be your first step to ensure your home buying process is as smooth and efficient as possible.

With plenty of mortgage companies (both online and local) offering financing, it can be hard to determine which lender is right for you.

Online lenders will boast the convenience of online applications, yet local lenders provide the same exact convenient process plus more! Long gone are the days when you need to fill out a paper application during business hours. With a local lender, you can fill out a convenient online application at any time to get the ball rolling. Plus utilizing a local lender ensures the following during your mortgage process:

  • Communication: When it comes to communication, you’ll get the best of both worlds. Want to speak face-to-face? Schedule an appointment at your local branch. Enjoy communicating via phone or email? Local lenders are only a dial or click away!
  • Main Point of Contact: A local lender won’t pass you around from one representative to the next. Instead, they’ll be your main contact throughout the entire home buying journey for questions and advice related to your home financing.
  • Local Expert: Local lenders work in one market, yours. They’ll know what to expect and will guide you every step of the way, from pre-approval to sitting beside you on closing day.  
  • Relationships: They’ve cultivated relationships with countless professionals in the home buying industry. With a local lender, you’ll always have a friend by your side.

Above all, your local lender is passionate about the area in which you are looking to plant your roots, because they live there too. Let them help you get the financing you need to Make Home Happen! 

Ready to get started? Set up a free consultation with one of our local mortgage experts! Then check out our Mortgage Application Checklist to determine which documents you'll need to provide to ensure the process of pre-qualification and loan approval go as smoothly as possible.