Rates & Calculators

Resources for your home loan needs.

Great rates from First Community help our members save on mortgages! We offer some of the fastest closings in the greater Houston area and save our members on home purchase closing costs, too.

Calculate a mortgage payment.

Wondering how much mortgage you can handle or how interest rates and terms impact your payment? Take a look at our calculators.

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Maximum Mortgage

Use this calculator to determine your maximum mortgage and how different interest rates affect how much you can borrow.

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Mortgage Debt Consolidation

This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.

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Mortgage Loan Calculator

Use this calculator to determine your monthly payment and amortization schedule.

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Mortgage Qualifier

Can you buy your dream home? Find out just how much you can afford!

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Get pre-qualified or apply online.

Ready to make your move? Getting pre-qualified shows realtors you are serious and capable of buying a home. Get started online!



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?

Need some real estate advice?

Our Real Estate Team can help you get moving. Call 281.856.9057 or 800.456.3228, or email us at consumerre@fccu.org for more information. We'll get you home.
 

1 The 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.

2 10 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.

3 Jumbo Loans are loans greater than $510,400. Payment examples are based on a $500,000 loan amount. Additional terms and restrictions apply.

4 10 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 $125,000 may affect interest rate. Please contact our Mortgage Department with any questions concerning loan programs. All loans are subject to lender requirements.

5HELOCs are only available and must be established under a membership with an FCCU Checking account. Variable rates are based on the Wall Street Journal Prime plus a margin. The Wall Street Journal Prime Rate is listed in the Money Rates section on the last day of the calendar quarter and adjustments to the rate will be made on the following billing cycle of the loan. Maximum APR will not exceed 12%. HELOC minimum loan amount is $15,000. Maximum of $250,000 for first liens and $100,000 for second liens. Borrowers will be responsible for all FCCU and third party fees up to a maximum of 3% of the loan amount.
 

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.

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