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Mortgage Loans

Our homes are our sanctuaries and we'll help you find peace of mind with a mortgage that fits your budget and lifestyle.

Select A Mortgage Loan To Fit Your Financial Situation. 

 Before you apply for your mortgage loan, you’ll need to decide which type of loan may be right for you.

  • Conventional Loans have a fixed rate and monthly payment for the entire life of the loan. It’s easy to budget for this type of loan because your payment will always be the same. The rate on a conventional mortgage loan is generally higher than an adjustable rate mortgage.
  • Adjustable Rate Loans usually start with lower rates than conventional loans. We’ll let you know how much the rate can be adjusted over the life of the loan, so you’ll know from the beginning the absolute maximum amount you would ever have to pay. If you will be moving in a few years, or if you think interest rates will be going down, you’ll want to consider an adjustable rate since monthly payments may be lower.
  • FHA Loans offer lower interest rates, require a relatively small down payment, and are insured through the Federal Housing Administration.
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Mortgage servicing notice

If you have a mortgage loan with Tucoemas, you will have received a letter stating that effective October 18, 2019 all mortgage loans will be transferred to, and serviced by, Dovenmuehle Mortgage. Please see below for a copy of the letter. If you have any questions, please call us at: (559) 732-8892

Mortgage Servicing Transfer (RESPA) Letter

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Dovenmuehle Mortgage, Inc.
Customer Service Department


If you've fallen behind on your first mortgage payments, you have options. The first thing to do is reach out and ask for help.

  • If your mortgage lender is another institution, contact them directly.
  • If your lender is Tucoemas Federal Credit Union, call us at (559) 732-8892.
  • For counseling services, leverage our partnership with BALANCE by calling (888) 456-2227 and selecting housing counseling for more information.
  • Contact HUD (Housing and Urban Development) at (800) 569-4287.

If you have a first mortgage with us, we can work with you in a couple of ways.

  • Refinancing your mortgage to a lower rate.
  • Loan Modification to temporarily change the terms of your mortgage to make payments more affordable. For instance, an extension of the terms on the loan or lowering the interest rate.

Here's what you need to do to complete your request for hardship assistance:

  1. Mortgage Extension Application - L123
  2. Provide a written statement explaining your financial hardship (signed and dated)
  3. Consent Form (signed and dated)
  4. If you currently have a second mortgage at another financial institution with a variable interest rate, provide a copy of the promissory note
  5. Current mortgage statement if you have a second mortgage with another financial institution
  6. Most recent W-2 tax statement with two current pay stubs for each borrower and/or last two years' income tax returns if self-employed or have rental income
  7. Last two months checking and/or savings accounts statements
  8. If self-employed, last two months’ business account statements

When you have completed the application and have the requested documents prepared, please contact our Resolutions Department at (559) 732-8892 for an appointment to review your modification package.