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Mortgage Loans

Home Sweet Homes Start Here

Mortgage Loans

From application to closing and beyond, we love working with our members to find the perfect loan for that perfect place you call home.

If you are ready, or if you just have questions, give us a call or apply online. We’re here to help you every step of the way.

Whether it’s a home purchase, or a refinance, our friendly lending staff can help make your dream of home ownership a reality.


Home Equity Loans

When you need cash to cover a major expense or project, a home equity loan may be right for you. Our lending team makes the process easy and our rates make it affordable. Rates are low right now, so don’t wait. Call us today to get started on your dream.

  • Competitive rates
  • Terms up to 30 years
  • Borrow up to 80% of your home’s value (minus outstanding liens)
  • Minimum loan amount is $50,000

Interim Construction Loans

For many, designing and building their own home is a way of making their dream home a reality. Our interim construction loans provide short term financing to easily fund the construction phase of the process. Interim construction loans are available for primary residence or second home construction and payments are interest-only during the construction phase.

  • Competitive, fixed rates
  • 12-month construction phase
  • Local loan processing
  • Available for property in Texas only

Land Loans

We offer land loans for members who will use the property to build a first or second home, or for personal recreational use.

  • Land must be located in the state of Texas
  • Land must be unimproved (without any buildings, structures or improvements on it)
  • Maximum financing term of 15 years
  • Minimum loan amount $50,000
  • Maximum loan to value of 80% of the appraisal or selling price, whichever is less
  • Only one land loan per member
  • Member pays appraisal fees
  • Certain restrictions and qualifications apply
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