Mortgage Loans

Mortgage Rates and Loan Application
View instructions on how to send us your supporting documents securely online

Mortgage Loans

Have questions?
Click here to view our Mortgage Application FAQ page.

Curious about what your mortgage loan payments will be?
Click here to use our mortgage calculator and see the breakdown of everything including what you will owe.

At Houston Federal Credit Union, we know that your biggest investment is your home and you want a partner you can trust to handle your home loan needs. Whether you’re buying your first home, your next home, or a home for retirement, we can develop the perfect home financing solution that’s just right for you. View our current mortgage rates and start your loan application process today!

Some of our mortgage loan options include:

Conventional Loans
Refinance Loans
Land Loans up to 10 Acres
USDA
VA
Jumbo up to 1.5 million
Investment – Purchase, Rate/Term and Cash-out

Our extensive mortgage loan property types include:

Primary Residence
Second Home
Townhome
Condo Warrantable
Residential 1 – 4 Family Units

All of these options allow us to customize the perfect mortgage solution that fits your needs and budget. Plus, we offer guaranteed purchaser closing date and the quality personal service you deserve.

Great Rates, Low Closing Costs
Enjoy competitive rates and closing costs when you choose one of our convenient loan programs. In fact, we don’t even charge the typical 1% of the loan amount that is commonly referred to as an Origination Point Fee. This can save you thousands of dollars compared to other lenders at closing. Let our prompt and pro-active service guide you through your home purchase or refinance process!

Discount Points (aka: paying points)
One discount point is always equal to 1% of the loan amount. For example, one point on a $100,000.00 loan would require payment of $1,000 in order to pay the discount point at closing. The longer you plan to remain in a property or stay in your mortgage, the more advantageous it may be to pay points, allowing you to save more in interest over the life of your loan. There is no requirement to pay discount points; whether or not you decide to pay points is completely up to you.

Online Mortgage Payments
Log in to your eTeller (online banking) account and conveniently pay your mortgage payment online. You can also check your current loan balance, view your history, request a payoff statement, check your due date, and see previous and current year-to-date totals. Log in to eTeller by entering your username and clicking the button below.

Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. For a more detailed look of what areas are eligible, please refer to our field of membership map

Houston Federal Credit Union NMLS #673404