BR Telco offers real estate loans for purchases, land purchases, 1st and 2nd mortgage refinancing and home equity lines of credit (HELOC). We do not offer loans for mobile homes, condominiums (town homes are acceptable), or investment properties.

Your borrowing power depends on income, debts, credit score, and deposit size.

Purchases require a down payment, but there are options with as little as 3%, depending on your situation and eligibility.

Yes, a pre-approval helps you understand your budget and shows sellers you’re serious about buying a house.

Refinancing could lower your rate, reduce repayments, or unlock equity – depending on your goals.

Most borrowers will need recent pay stubs, last 2 years of W-2s, recent bank statements, proof of funds for down payment and closing costs (for purchases) and homeowner’s insurance.

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.