Home Loans

Pave A Path To Your Forever Home

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Traditional Home Loans

Specialty Home Loans

Mortgage Loans with FCCU

Whether you're looking to purchase, refinance or build, we're committed to helping you find your forever home. Our team is here to help you locally.

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family holding boxes and entering new home

Home Loan Options

Whether you're looking to purchase, refinance or build, we're committed to helping you find your forever home. Our team is here to help you locally here in Houston, Tx.

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Type (Term) Rate APR Monthly Principal & Interest
10 - 20 Year Fixed Please call 281.856.9057 N/A N/A
15 Year Fixed 2.250% 2.464% $1,146.40
30 Year Fixed 2.750% 2.867% $714.42
15 Year Fixed Portfolio Start Rate 5.000% 5.309% $988.49
30 Year Fixed Portfolio Start Rate 5.250% 5.431% $690.25
Jumbo 15 Year 2.875% 2.979% $5,464.71
Jumbo 30 Year 3.125% 3.182% $3,419.51

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.

Testimonials

We've helped guide families through a personalized journey to find a home that fits their unique lifestyle and budget. Here are a few happy FCCU members.

Is an appraisal required?

Is an appraisal required?

Appraisal is done by a Third Party and gives FCCU and you the replacement cost and value of the home. They also give us 3 to 5 comparable sales that took place in the past 12 months. This is the major analysis of the true value of the home.

What Documents do I need?

What Documents do I need?

  • Two months bank statements. (All Pages)
  • Two years tax returns (All Pages and Schedules)
  • Thirty days of paycheck stubs. (Show YTD. Income)
  • Copy of Social Security Card and Driver’s License
  • If down payment is coming from your 401K or Retirement funds, provide a copy of all pages of last statement.

Do I find a house first or apply for the Loan first?

Do I find a house first or apply for the Loan first?

It’s best to be Pre-qualified for the home loan first. This will save you time in the long run. Most realtors will want you pre-qualified for the home loan before showing you homes.

What is an Escrow?

What is an Escrow?

An Escrow account is established during a real estate transaction as an account for the borrower to deposits funds. These funds cover future taxes and insurance expenses. When a borrower has at least 20% equity in the home, an escrow account is not required.

How do I submit proof of insurance on my car or home?

How do I submit proof of insurance on my car or home?

You may upload it from our website under Loans-Proof of Insurance or directly at  www.myinsuranceinfo.com or you may also bring the proof to a branch location.

Why buy a home vs. Rent/Lease?

Why buy a home vs. Rent/Lease?

Owning a home has tax advantages that are not available when you rent or lease. You also will be building equity in your home where rent money is money spent and gone. Lastly, closing costs can be written off come tax time.

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