Home Loans You’ll Love

Whether you’re looking for your first home or a new place to call home, FCCU is here to help you pave your path towards achieving your dream of homeownership. 

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Quick Closing

We’ll close your purchase home loan by the contract closing date or we’ll give you a $1,000 credit towards closing costs.Learn more here

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Rate Match Guarantee

Found a better rate but want a relationship with First Community Credit Union? No worries! We’ll match any loan estimate from another local institution2. Learn more here
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Local Lender

Our Mortgage team all work from our corporate location in Houston, Tx. Buying a home is stressful enough, and our team is here to assist you every step of the way with any questions you may have. Learn more here.

15 Year Fixed² 2.625% 2.972 % $1,177.21
30 Year Fixed² 2.875% 3.064% $726.06
10 - 20 Year Fixed² Please call 281.856.9057 N/A N/A
15 - 30 Year Fixed Jumbo³ Please call 281.856.9057 N/A N/A
15 Year Fixed Portfolio Start Rate⁴ 5.000% 5.309% $988.49
30 Year Fixed Portfolio Start Rate⁴ 5.250% 5.431% $690.25

You've got options.

First Community offers many ways to finance the way you want to live. Keep these options in mind as you consider your goals and needs.

  • Purchase: A loan to purchase a piece of property as a principal residence, second home, or investment property.
  • Refinance: A new mortgage replacing an original loan to obtain a better interest rate or loan term.
  • Construction: A mortgage to finance the construction of a home that converts to a fixed rate mortgage upon completion up to $667,000.
  • FHA, VA, Jumbo: Mortgages for first time home buyers, eligible veterans, or for amounts higher than the conforming loan limit of $510,400.00.
  • Cash-Out, Home Equity, Home Improvement: Loans that borrow against the equity in a home to be used to pay off an original mortgage, gain liquidity, or improve the home.
  • HELOC: A loan in which a member can take draws against from time to time and be charged interest on only the amount drawn.

You may not have found the perfect home yet, but getting pre-qualified shows realtors you are serious and capable of buying a home. Get started online!

1 Guarantee Conditions and Requirements: • All circumstances resulting in a delayed closing date must have been under the exclusive control of FCCU and not attributable in any way to third party or applicant actions, omissions or delays. • Contract closing date must be at least 30 days from the date FCCU receives (i) a complete purchase home loan application (and all supporting documentation) and (ii) a copy of the fully executed real estate purchase contract. • If a closing date is delayed as a result of FCCU’s actions, a closing credit of $1,000 will be applied toward usual and customary buyer closing costs. If seller/third-party paid closing costs result in less than $1,000 remaining in buyer closing costs, FCCU will only pay a closing credit equal to the buyer closing costs balance outstanding. Applicants are not entitled to cash back. Usual and customary buyer closing costs include, without limitation: escrow fee, appraisal fee, loan document preparation fee, recording fee, courier fee, and prepaid items such as flood and hazard insurance and ad valorem taxes. • To ensure FCCU provides outstanding service and depending on the purchase home loan application volume at any given time, FCCU may, from time to time, end this promotion for new applications without notice and reinstate this promotion at a later date. All home loan applications, excluding construction loans, received while this promotion is in effect will qualify for the guarantee described herein. Subject to any home loan applications which have already qualified for the guarantee described herein, this promotion may be terminated by FCCU at any time in its sole discretion.

2Certain Criteria Apply. Contact our Real Estate department for more information.

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