Home Loans
Financing for the way you want to live.
Ready to make your move? Whether you need more space, less space, or just a better space, First Community will be by your side every step of the way. Talk to us to find the home financing option that fits your life — and your finances.
$1250 OFF Closing Costs5
From now until August 31st, Enjoy $1,250 off closing cost on purchases only. Get started here.
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 $500 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.
210 year fixed, 15 year fixed, 20 year fixed, and 30 year fixed payment examples are based on a $125,000 loan amount. Additional terms and restrictions apply.
3Jumbo Loans are loans greater than $484,350. Payment examples are based on a $500,000 loan amount. 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 $125,000 may affect interest rate. Please contact our Mortgage Department with any questions concerning loan programs. All loans are subject to lender requirements.
5Certain credit criteria apply. Certain terms and conditions may apply. Offer valid on conforming purchases only for apps received after May 1, 2019. Refinances not eligible. Loans of $150,000 or more will receive $1,250 off closing costs. Loans $50,000 to $149,999 will receive $625 off closing costs. $1,250 or $625, based on qualified loan and loan amount must be applied to closing costs only. No cash value. Cannot be combined with any other offers.
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.