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 Today
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.
Learn More| Rate | APR | Monthly Principal & Interest | |
|---|---|---|---|
| 10 Year Fixed | 5.500% | 5.815% | $3,255.79 |
| 15 Year Fixed | 5.500% | 5.722% | $2,451.25 |
| 20 Year Fixed | 5.875% | 6.053% | $2,127.72 |
| 30 Year Fixed | 6.250% | 6.387% | $1,847.15 |
| FHA | 6.125% | 6.953% | $1,854.74 |
| VA | 6.125% | 6.439% | $1,862.03 |
| Jumbo 30 Year | 6.375% | 6.484% | $6,238.70 |
Home Loan Close Protection
Testimonials
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.