Home Loans

Pave A Path To Your Forever Home

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. We will help guide you through your personalized journey to find a home that fits your unique lifestyle and budget. We are your local lender, here to assist you from start to finish with a home loan, ensuring we provide the research tools and calculators to crunch numbers to help you find the right loan for you and your family. From
on-time closings to a rate match guarantee, FCCU makes the home buying process simple and easy. Plus, we’ll be here to guide you down the right path and provide advice when needed!

Home Loan Close Protection
Now with our Home Loan Close Protection we’ll give you a $1,000 credit towards closing costs if we don't close your purchase home loan by the contract closing date. Get started here. 

100% financing available

Credit limitations apply.

Rate match guarantee*

We'll match prices from any local competitors.

Low closing costs

Save on closing costs.

Get pre-qualified

Start now!

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: Mortgages for first time homebuyers up to the loan limit of $356,362.00.
  • VA, Jumbo: Mortgages for eligible veterans or for amounts higher than the conforming loan limit of $548,250.00..
  • 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.
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You’ll need proof of insurance

Have you recently changed insurance providers and need to update FCCU? Now it's easy to do!


Insurance to keep your home and household safe.

As a homeowner, be sure to take advantage of competitive rates to protect your loved ones. See how you can insure your loan payments. 

Get pre-qualified

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!

Need expert advice?

Remember, our Real Estate Team is here for you! Call 281.856.9057 or 800.456.3228, or email us at consumerre@fccu.org for more information. We'll get you home.

Our members enjoy great rates.

Great rates from First Community help our members save on home loans. Wondering how much mortgage you can handle, or how interest rates and terms impact your payment?

15 Year Fixed² 2.500% 2.697% $1,333.58
30 Year Fixed² 3.000% 3.109% $843.21
15 Year Fixed Portfolio Start Rate⁴ 5.000% 5.309% $988.49
30 Year Fixed Portfolio Start Rate⁴ 5.250% 5.431% $690.25
10 - 20 Year Fixed² Please call 281.856.9057 N/A N/A
Jumbo up to $1M³ 3.250% 3.347% $3,481.65

Note that if you have questions regarding an error on a mortgage statement or need information, complete this form, and mail to us at First Community Credit Union, Attn: Real Estate, PO Box 840129, Houston, TX 77284-0129.  

*We require a copy of the Loan Estimate and Closing Disclosure from the competitor for comparison purposes in order to receive the $250 if we cannot meet or beat your qualified rate in a comparable program. Paid upon completion of loan.
1The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on interest rates and points only and does not take into account other loan specific finance charges you may be required to pay. Payments do not include amounts for taxes and insurance premiums, if applicable, which may make the actual payment obligation greater.
210 year fixed, 15 year fixed, 20 year fixed, and 30 year fixed payment examples are based on a $175,000 loan amount. Additional terms and restrictions apply.
3Jumbo Loans are loans greater than $798,000 up to $1 Million. 20% down payment required and up to 80% LTV. Rates and terms are subject to change. Additional terms and restrictions apply.
410 year fixed portfolio start rate, 15 year fixed portfolio start rate, 20 year fixed portfolio start rate, and 30 year fixed portfolio start rate payment examples are based on a $125,000 loan amount. Any loans financed below the FCCU fixed portfolio start rate may be sold to a third party. Additional terms and restrictions apply. Financing for our best rates is based on 740 Credit Score, loan amount, and loan to value at a minimum of 75%. Lower credit score, Higher LTV's or loan amounts under $175,000 may affect interest rate. Please contact our Mortgage Department with any questions concerning loan programs. All loans are subject to lender requirements.

The rates listed above do not include special program rates and do not apply to cash-out refinances. For those rates contact our Mortgage Department at 281.856.9057. RATES ARE SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE.

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO: Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION: On the basis of race, color, national origin, religion, sex, marital status, or age; Because income is from public assistance; or because a right was exercised under the Consumer Credit Protection Act.

Become a Member

Open an Account Personal appointmentMake an in person appointment Online bankingEnroll in Online Banking

Get Pre-Qualified

Getting Pre-Qualified shows Realtors that you are serious and capable of buying a home.

Speak to Our Real Estate Team

281.856.9057 | Email


First Time Home Buyers Guide

Tips From Texas REALTORS® to help you avoid expensive mistakes in your next real estate transaction

Proof of Insurance

Update your proof of insurance with FCCU.