Mortgage Loan

Let us take care of your mortgage loan needs.

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Mortgage Options Available

See which mortgage loan option is right for you.

Conventional Mortgage

Have the same low rate for the life of your loan.

Educator Mortgage

Finance up to 103%, with no down payment or PMI required.

First Time Home Buyers

First time home buyers are only required to put down 3% for a down payment.

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Mortgage Loan Details

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Credit Score

All applicants must have a credit score of 620 or higher.

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Loan Limit

Conventional Mortgage Loans available from $50,000 – $647,200.

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DTI Limit

43% debt-to-income (DTI) limit.

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Down Payment & Closing Costs

5% down payment required, or 3% for first time home buyers.

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Required Documents

Before you start your loan pre-qualification process, you’ll need a few documents to get started.

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Homeowners Insurance

Get the best homeowner’s insurance quote available.

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Contact Us

Our team is here to help answer any questions you may have.

How much will my monthly payment be?

Budgeting for a new home can be challenging. Use our calculators to help you estimate your monthly mortgage payments, plus so much more.

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  • 1Educator Mortgage Disclosure – To apply for an Educator Mortgage Loan, at least one applicant must be a current teacher or school employee for at least 2 consecutive years at a Texas school district. All applicants must have a credit score of 680 or higher and a 45% debt-to-income limit. Applicants may finance up to 103% LTV. Additional 3% is to be utilized for closing costs only – No cash back and no “coverage” for a lower appraised home permitted. This program is intended for primary residences within the state of Texas only, not vacation homes or investment properties. Other conditions may apply.
  • 2Mortgage Disclosure – All property financed must be located in the state of Texas.
  • 3Confidentiality Disclosure – Please do not send confidential information, such as member number, social security number, etc. in an e-mail message.
  • 4Fee Disclosure – The credit union does not charge any fees. You may be charged fees from outside companies, such as appraisers or HOAs.