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Buy a Home

Welcome to the Neighborhood

Texans are neighborly and our mortgage representatives are, too. Whether it’s a low rate or flexibility you need, our team can help you find the right mortgage product for your situation.

Home Advantage Program

Available exclusively to Texans members, our Home Advantage program offers valuable resources and discounts to help you make the most of your new home.

  • 20% rebate on real estate agent's commissions1
  • Home buying advice and assistance from a top-tier professional
  • Discounts on home warranties, moving services, home retailers and more

Home Advantage Program Overview

Contact your branch's mortgage representative to get started

realtor information
Dana LaGrone
Dana LaGrone
NMLS# 699703
Phone: 972.348.2159
Email Dana
Serving Branches:
Allen, Carrollton, Eldorado, Frisco, McDermott, Raytheon, Spring Creek
 
Peggy Dillon
Sarah Robison
NMLS# 1055667
Phone: 972.348.2177
Email Sarah
Serving Branches:
Campbell Road, Garland, Irving Blvd., Preston Forest, Telecom Pkwy., Wylie
 
Apply Now

Home Buying Preparation

Texans are prepared. And whether you’re a first-time homebuyer or already own a home, there are things you can do to prepare for buying a new home. Here are a few ways to get started:

  • Free Credit Report: Pull a free credit report from a reputable source (like AnnualCreditReport.com) to help you understand where your credit is, so you can avoid surprises when obtaining a mortgage
  • Pre-Approval: We’ll help with the pre-approval process to help guide your home search and build your budget, taking into account your potential mortgage amount, utilities, maintenance, etc.

Keep in mind, everyone’s financial situation is different. Despite what you get pre-approved for, you should still evaluate how transitioning to your new home will affect your monthly budget. Be sure to include costs such as utilities, maintenance, insurance, property taxes and association fees in your budget.

View Mortgage Calculators

 

Financial Education Center

Important Articles About our Products & Services

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1 Rebate will be paid 30 days after closing.

This is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms are subject to change without notice. Rates and terms are determined by the overall credit worthiness of each applicant, and are subject to change at any time. Texans Credit Union (NMLS# 530654) provides home loans through CU Members Mortgage a division of Colonial Savings, F.A. NMLS# 401285.

Digitally Enabled and Incredibly Accessible!

 
  • Online Banking/Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Apple Pay
  • 70,000 Surcharge-Free ATMs - Worldwide
  • Enhanced ATM/Debit Card
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All Texans Checking Accounts Are Digitally Enabled and Incredibly Accessible

Texans are smart and our checking accounts should be too. That's why all of our accounts are digitally focused and offer 24/7 access. Use the chart below to select the account that's right for you.

Purchase Rewards

Earn Cash Back Rewards, just for Using Your Texans Debit Card

Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.

  1. Receive personalized offers directly in online or mobile banking
  2. Accept an offer and earn rewards for any qualifying purchases
  3. Get cash back directly deposited into your checking account the following month

Start earning cash back today!

learn more

FinanceWorks

Manage All of Your Personal Finances, Right Inside Online Banking

This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:

  1. Create a budget that is easy to stick to
  2. Observe your spending behaviors and trends
  3. Gain valuable insight into where your money is going

With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!

learn more

Financial Education Center

Important Articles About our Products & Services

Financial Education Center

70,000 Surcharge-Free ATMs

Access the World's Largest ATM Network with the Allpoint and CO-OP networks

Mobile Banking App

It's Like Having a Full-Service Branch on Your Phone or Tablet!

Manage your accounts, move money around, pay bills, and more:

  • Access accounts and view transactions
  • Fingerprint login capabilities for iOS and Android users
  • Mobile check deposit
  • Find your closest branch or surcharge-free ATM
  • View balances without logging in via Quick Balance

Plus, when you sign up for online banking, you are eligible for Purchase Rewards, which gives you personalized cash-back offers and deposits the cash-back directly into your checking account each month.

Mobile Deposit

All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.

  1. Snap a picture of both sides of your signed check
  2. Choose the account for deposit
  3. Voila! Your check is deposited.

EMV Chip Technology

Protect Your Card Transactions from Fraud

All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.

  • Insert your card in the chip reader instead of swiping
  • You can still swipe your card when necessary
  • You can still use your card online or over the phone

Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.

Mastercard Debit Card

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Visa Credit Card

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VISA® Cards

Great Rate or Cash Back

Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.

But that's not all. Your Texans VISA comes with online access where you can utilize our Personal Financial Management software, FinanceWorks, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.

2 For full cash back details and terms and conditions visit our Cash Rewards VISA Card page.

Mastercard® Debit Card

Cash With No Fees at 70,000 ATMs

Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:

  • Double your manufacturer's warranty on purchases up to 12 Months*
  • Price protect purchases up to $250*
  • Provide a 60-day satisfaction guarantee on purchases for full refund of the purchase price*
  • Include Mastercard Global Service for emergency, one-day, temporary card replacement in the US*

Get a Texans Debit Card with your checking account today!

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* For full details and terms and conditions visit our Mastercard Debit benefits guide.

Courtesy Pay or Overdraft Protection

Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.

Overdraft Protection

Your first line of defense uses your accounts to cover overdrafts.

  • $5 fee for each transaction
  • Uses designated savings account or line-of-credit to pay overdrafts

Learn more about Overdraft Protection here

Call Us

972.348.2000 (800.843.5295)

Courtesy Pay

A one-time opt-in can provide an emergency backup against overdraft.

  • $35 fee for each transaction
  • May cover transactions that exceed your available balance, up to $750 (including fees)

Learn more about Courtesy Pay here

Opt In

 

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Guaranteed Asset Protection (GAP)

Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.

 

Major Mechanical Protection

Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.

Learn More

 

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