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.Traditional Home Loans
Purchase
A traditional home loan used to purchase a piece of property.
Refinances
Refinance your original loan to obtain a better rate or term.
FHA Loans
FHA Home Loans generally require lower minimum credit score and down payments, which make them a good fit for many first-time homebuyers.
VA Loans
Veterans, Service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance (PMI).
Specialty Home Loans
Jumbo Loans
If you're looking for your dream home, Jumbo loans allow you to have the space you need.
Educators Loans
You give so much to everyone, let us give back to you with this home loan.
100% Financing
For well qualified members wanting to keep their liquidity in savings.
24 Month Bank Statement
Homeownership for self-employed and business owners.
Other
For when you to build your home or take out equity on your current home.
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. NMLS #217251.
Get Pre-Qualified TodayHow do I know I qualify for a home loan?
How do I know I qualify for a home loan?
FCCU will take some information that allows us to pre-qualify you for your new home loan. We will then issue you a prequalification letter that will indicate the maximum you can qualify for on your new home loan.
What documents do I need to apply for a home loan?
What documents do I need to apply for a home loan?
At First Community Credit Union you will need the following items to apply for a home loan:
- Two months bank and/or credit union statements (all pages)
- Previous Two years tax returns
- Thirty days of paycheck stubs showing year to date income
- A copy of all buyer’s social security cards and driver licenses
- If the down payment is coming from your 401k or retirement fund, you will need to provide a copy of all pages of the last statement
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.