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.
Let's Get Started!
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.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.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.
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.
If you have questions and want to talk about your specific situation, call one of our expert Mortgage Loan Originators today:
Michael Lee
Mortgage Loan Originator
NMLS ID #231184
972.348.2253
Michael_Lee@texanscu.org
David Conary
Mortgage Loan Originator
NMLS ID #536127
972.348.2113
David_Conary@texanscu.org
Ryan Pratt
Mortgage Loan Originator
NMLS ID #968804
972.348.2041
Ryan_Pratt@texanscu.org
MORTGAGE LOAN FAQ
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.
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)
