First Mortgage from Transport CU

Stop Renting. Start Owning.

Buying your first home shouldn't feel like decoding a foreign language. At Transport Credit Union, we walk you through every step, from the first question to the front-door keys.

Start My Application → Talk To A Loan Officer

A Mortgage From People Who Know You By Name

Your home is the biggest purchase you'll ever make. You deserve a lender who treats it that way.

At Transport Credit Union, you're not a credit score on a stack of paper. You're a member, and members get a real conversation, real guidance, and a real local team that's been helping Tampa families buy homes for decades. Whether you're a first-time buyer or you've owned before, our mortgage process is built to feel less like paperwork and more like a partnership.

Local Tampa Experts

Our mortgage team lives, works, and lends right here in Florida. No call centers. No middlemen. Just neighbors helping neighbors get home.

Member-First Rates

As a not-for-profit credit union, our earnings go back to you in the form of competitive mortgage rates and lower fees, not corporate dividends.

Real Human Guidance

From your first question to your closing day, you'll work with one mortgage professional who knows your name, your timeline, and your goals.

Your Mortgage Journey, Made Simple

Buying a home doesn't have to be confusing. Here's exactly what to expect when you finance your first home with Transport CU.

STEP 1

Get Pre-Qualified

A quick conversation tells us what you can comfortably afford. Knowing your number first puts you in the driver's seat when you start house hunting.

STEP 2

Apply With Confidence

Submit your application online or with help from our team. We'll gather your documents and walk you through every form so nothing is a mystery.

STEP 3

House Hunting

With pre-approval in hand, you can shop with real negotiating power. Sellers take you seriously when your financing is already lined up.

STEP 4

Underwriting & Appraisal

We verify the details and confirm the home's value. Our team handles the heavy lifting and keeps you updated, in plain English, the entire way.

STEP 5

Closing Day

Sign the paperwork, get the keys, and step into your new home. We'll be right beside you through closing, and we're not going anywhere after.

Ready When You Are

Let's Get You Home.

Begin Step 1 →

Why Members Choose Transport CU For Their First Home

There's a reason families come back to us generation after generation. Here's what makes a Transport CU mortgage different.

You're An Owner, Not A Customer

As a member-owned credit union, your interests come first. Always. There are no Wall Street shareholders pressuring us to maximize fees or push products you don't need.

A Process Built For First-Time Buyers

If you've never bought a home before, you'll never feel like you're falling behind. We explain every step, every fee, and every form, no jargon, no judgment.

A Team That Sticks Around

Your relationship doesn't end at the closing table. We're your financial partner long after you've moved in, for refinancing, home equity, and every milestone after.

First-Time Buyer? You're In The Right Place.

Credit Building Help

Not quite mortgage-ready? Our team can show you the moves that improve your credit picture before you apply.

Talk To A Mortgage Officer See Common Questions

What You Should Know Before You Apply

A little homework now saves a lot of stress later. Here are the four numbers and concepts that shape every home loan, explained simply.

Your Credit Score — Lenders use this to gauge risk. Higher scores usually unlock better rates, but there are home loan programs for nearly every credit range.
Your Down Payment — The cash you put toward your home up front. The more you put down, the less you finance, but you don't always need a huge down payment to get started.
Your Debt-To-Income Ratio (DTI) — How much of your monthly income already goes to debt. Most lenders prefer this under 43%. We'll help you calculate yours.
Your Interest Rate & APR — The rate is what you pay to borrow. APR includes that rate plus most fees, giving you the full picture of your loan's true cost.

Pro Tip

The mortgage that's right for your neighbor may not be right for you. The smartest first step is a free conversation with a Transport CU mortgage officer who can match a program to your goals.

Get My Free Consultation →

First Mortgage FAQ

The questions we hear most often from first-time buyers, answered straight.

The best way to find your real number is a free pre-qualification with our team, which factors in your income, debts, and down payment.

From application to closing, most home loans take 30 to 45 days. Having your documents ready and responding quickly to requests can speed things up considerably.

Pre-qualified is a quick estimate of what you could afford, based on what you tell us. Pre-approved is a verified commitment after we review your documents. Sellers prefer pre-approved buyers because the financing is much closer to final.

A pre-qualification typically uses a soft credit pull, which doesn't affect your score. A full mortgage application does involve a hard credit pull, but the impact is minor and short-lived, usually a few points for a few months.

Generally: two years of W-2s or tax returns, your last two pay stubs, two months of bank statements, and a government-issued ID. Self-employed members may need additional documentation. We'll send you a complete checklist when you start.

Through our partnership with CU Mortgage Services, we offer Conventional Fixed Rate Mortgages, Home Refinance Loans, Cash Out Refinance Loans, Second Home and Vacation Home Loans, Residential Land Loans, Home Equity Loans and Second Mortgages, Home Equity Line of Credit. Your loan officer will walk you through which programs you qualify for and which fits best.

Yes, and joining is easy. Membership opens up our mortgage programs along with every other benefit Transport CU offers. We can walk you through eligibility in just a few minutes.

Meet Your Mortgage Officer

Lyn McGregor

A real local expert who has helped Tampa families through every kind of home loan. Call, email, or schedule a no-pressure conversation about your home buying goals.

No question is too small. Whether you've already picked out paint colors or you're just curious where to begin, Lyn will meet you exactly where you are.

Call (813) 748-9270 Email Our Team

Quick Contact

Phone: (813) 748-9270
Member Services: 1 (800) 237-5567
Email: memberrelations@transportfcu.com
Address: 8916 Sabal Industrial Blvd, Tampa, FL 33619
Hours: Mon, Tue, Thu & Fri 8AM–5PM | Wed 10AM–5PM

Trusted By Tampa Families For Generations

Transport Credit Union has been helping Tampa Bay members reach financial milestones for decades. From first cars to first homes to family vacations, we've stayed local, member-owned, and member-first the entire time. That kind of stability matters when you're making a 30-year commitment.

NCUA Insured

Your deposits are federally insured to at least $250,000 by the National Credit Union Administration.

Equal Housing Lender

We lend without bias. Every member gets a fair shot at home ownership, regardless of background.

Member-Owned

Not-for-profit, member-owned, and member-led since day one. Your success is our scoreboard.