MORTGAGE LOANS

Financing a home is a big step — and Texans Credit Union is here to help you move forward with confidence. Whether you're buying, refinancing, or planning a build, we offer mortgage options that fit your life and your goals.

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Variety of Mortgage Programs

Texans offers a wide range of mortgage programs, so you can choose the loan that fits your homeownership goals.

Low Down Payment Programs

Saving for a home can be tough. We offer programs that make homeownership more accessible with low down payment options.

Purchase or Refinance

Whether you're buying a home or refinancing the one you love, we’re ready to help with options designed to fit your budget.

Lower Rates and Closing Costs

We work hard to keep our mortgage rates competitive and our closing costs low, helping you save when it matters most.

Experienced Mortgage Experts

Our friendly, knowledgeable mortgage team is here to guide you through every step — from application to closing.

Easy Online Application

Apply for your mortgage whenever it works for you with our simple, secure digital application.

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Apply Now

Get Pre-Approved

Fixed Rate Loans

Fixed rate home loans lock in your rate and term for the life of the loan, giving you peace of mind knowing your principle and interest payment will never change.

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First-Time Home Buyer Program

Buying your first home can feel overwhelming. We offer options designed to help new buyers get started with confidence.

Mortgage Refinancing

At Texans, we do it better. Let us refinance your existing home loan to lower your monthly payment or save you money on interest.

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Jumbo Mortgage

Finance a higher-priced or luxury home with a loan designed for larger properties and unique needs.

Construction Loans

Do it your way with short-term financing that lets you build your own home and roll any outstanding balance into a long-term loan.

Lot and Land Loans

Finance land or an unbuilt lot — ideal for future homes, recreational space, or long-term plans.

Happy couple making plans at their developing house

New Construction

Build Your Dream Home

About our Construction Program

We offer a one-time close, construction-to-permanent loan program that’s great for members looking to build the home of their dreams! Our one-time close program allows borrowers to simplify and streamline the construction financing process, with just one approval, one closing and one set of closing costs.

Construction Contact Form

If you have questions and want to talk about your specific situation, call one of our expert Mortgage Loan Originators today:

David Conary, Mortgage Loan Officer

David Conary
Mortgage Loan Originator
NMLS ID #536127
972.348.2113
David_Conary@texanscu.org

Michael Lee, Mortgage Loan Originator

Michael Lee
Mortgage Loan Originator
NMLS ID #231184
972.348.2253
Michael_Lee@texanscu.org

Ryan Pratt, Mortgage Loan Originator

Ryan Pratt
Mortgage Loan Originator
NMLS ID #968804
972.348.2041
Ryan_Pratt@texanscu.org

Leticia Ramos, Mortgage Loan Originator

Leticia Ramos
Mortgage Loan Originator
NMLS ID #218180
972.348.2024
Leticia_Ramos@texanscu.org

MORTGAGE LOAN FAQ

Pre-approval may take as little as a few hours or up to several days, depending on your financial profile and the type of loan. After you sign a purchase agreement, the underwriting, appraisal, and closing process usually takes a few weeks to about a month, depending on your situation. Your mortgage team will keep you updated throughout the process.

Yes. Texans Credit Union offers digital and mobile banking, so you can make mortgage payments securely through our website or mobile app.

PMI may be required if your down payment is less than 20% on certain loan types. It’s designed to protect the lender, but it can also help you buy a home sooner by reducing the upfront cash needed. Your mortgage expert can tell you whether PMI applies to the loan you’re considering.

A fixed-rate mortgage keeps the same interest rate and principal-and-interest payment for the entire loan term, offering long-term stability. An adjustable-rate mortgage (ARM) starts with a fixed rate for an initial period, then may increase or decrease at set intervals based on market conditions. ARMs can be helpful for borrowers who expect to move or refinance before the adjustment period begins.

The best mortgage depends on your budget, goals, and how long you plan to stay in the home. Texans Credit Union’s mortgage team is here to help you compare options and choose the financing that fits your lifestyle and long-term plans.

Home equity loan funds can be used for many financial needs, such as home improvements, education costs, or debt consolidation. Using funds to upgrade your home may also help increase its value. Certain uses may have tax implications, so it’s helpful to consult a tax professional if you have questions.

Texans Credit Union can finance many types of Texas properties, including single-family homes, land, and new construction. Some property types may have additional requirements or limitations, and certain programs, such as first-time buyer options, may include unique guidelines. A mortgage expert can walk you through any property-specific considerations for the loan you’re interested in.

Qualifying for a mortgage depends on showing that you can comfortably repay the loan. Lenders typically review your credit score, income, employment history, existing debts, and down payment amount. These factors help determine your eligibility and the loan options available to you.

To apply for a mortgage, you’ll need to be a Texans Credit Union member in good standing. Membership is open to anyone who lives, works, or worships in Texas. Your mortgage application will be evaluated based on factors such as your credit history, income, debt-to-income ratio, and the type of property you want to finance.

Texans Credit Union offers a wide range of mortgage options to support many homeownership needs. These include fixed-rate mortgages, jumbo loans, construction loans, mortgage refinancing, home equity loans, and lot and land loans. We also offer programs designed to help first-time homebuyers get started with confidence.

Auto Loans

Finance your next car, truck, or SUV with competitive rates and clear terms. Texans Credit Union makes the process simple from application to approval.

Personal Loans

Cover expenses or consolidate debt with a personal loan designed to fit your budget. Enjoy quick decisions and straightforward repayment options.

Credit Cards

Choose a Texans credit card with low rates or rewards to match your everyday spending. A simple, reliable way to manage purchases and build credit.

This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. Rates and terms are determined by the overall creditworthiness of each applicant, and are subject to change at any time without notice. Texans Credit Union NMLS #530654.

Texans mortgage lending is restricted to property in Texas. Loans subject to credit and property approval, other terms and conditions apply. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral. First-lien home equity loans are not available to purchase a new primary owner-occupied residence; owner-occupied primary residence must already be purchased. Lot size less than 10 acres. Condominiums and Manufactured homes are not eligible. Consumer purposes only. Products, rates, terms and conditions are subject to change without notice; other restrictions may apply.

To qualify as a first time home buyer, you cannot have any home ownership interest in the past 3 years. All loans are subject to credit and property approval. Products, rates, terms and conditions are determined by the overall creditworthiness of each applicant. Property insurance is required, including flood insurance where applicable. An escrow account for taxes and insurance is required. Under certain circumstances, private mortgage insurance PMI) may be required. Minimum loan amount is $150,000 and the purchase price cannot exceed $550,000. Condominiums and Manufactured homes are not eligible. Products, rates, terms and conditions are subject to change without notice; other restrictions may apply.

Texans Credit Union (NMLS ID #530654) provides construction loans and lot loans through Member First Mortgage, LLC. (NMLS ID #149532)