Fast Lane Mortgage

$0 Dollar Down Payment!

Don't let a down payment stand in the way of your dreams of homeownership. With Fast Lane Mortgage from Credit Union of Texas, you can accelerate towards owning your own home with confidence and ease.

Mortgage with No Down Payment Required

Are you ready to accelerate towards homeownership without the hassle of a down payment? Look no further than Fast Lane Mortgage from Credit Union of Texas. We understand that saving for a down payment can often feel like a roadblock on the journey to owning your dream home.

  • $0 DOWN means you can use your cash to focus on other things that are important to you.
  • Good choice for many first-time homebuyers.
  • We understand that every homebuyer's situation is unique. That's why we offer flexible terms tailored to your specific needs.
  • Enjoy competitive rates that can save you thousands of dollars over the life of your loan.

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Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to a Dallas-Fort Worth, TX Mortgage Loan Specialist

Get a personalized mortgage consultation

Consider These Fast Lane Mortgage Loan Benefits

Staying Local

Work with local financial professionals you can trust at CUTX. We know the local market like nobody else, and we've been a trusted lender here since the 1930s.


Get Prequalified1

With one quick call, you can find out how much you can afford. That makes your house hunting less complicated.

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Apply Online

Our digital tools allow you to handle most of your paperwork electronically, and our lending team will be available to answer any questions.

First-Time Buyers

This is a great option for first time home buyers who are looking for lower total costs to enter into home ownership. 

Great Rates

Get great rates to help your money go further, and make your new home more affordable.

$0 Down Payment

It's easier to get into your home because you don't need to save up as much money for upfront costs.

The right mortgage is the key to good living.

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Fast Lane Mortgage FAQs

Get started above, or give us a call! A consultation with one of our mortgage lending specialists will lead to you getting pre-qualified for a loan. Our mortgage lending team can find out what loan amount you may qualify for and help you pick the best type of loan for you to buy the home of your dreams. They can also help you create a strategy for coming up with a down payment and getting your finances in order as you work towards buying your new home.

Along with your monthly payment, you have:

  • Closing costs, which may be between 1% and 5% of the loan
  • Property taxes
  • Home insurance
  • Private Mortgage Insurance 

Plus, as a homeowner, you’re responsible for upkeep and maintenance, so it’s a good idea to have extra money budgeted for those expenses.

Bring along Pay stubs or W2s for at least two years, the addresses where you’ve lived for two years, information about current loans and checking and savings accounts. Our mortgage specialists can guide you through the process of the application. You'll also have to pay for a credit check.
    • Homebuyers must live in the home (primary residence only).
    • Not exclusive to first time home buyers.  While ideal for first time home buyers, others can take advantage of the program.
    • Single Family detached properties and single unit attached or condos are eligible.
    • Applicants must have a minimum credit score of 700.
    • Please talk to one of our loan specialists to make sure you can qualify.
  • Homebuyer must pay typical closing costs; and a minimum contribution of 1% is required.
  • Closing costs can be covered by a gift or third party contributions (i.e. seller, agent, etc.)


The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.
Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.

I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.

Laretha S.

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Apply online now or get started if you need assistance with your application.

1NMLS #576560 Credit Union of Texas provides mortgage loans through its affiliate Texas Mortgage Lending, LLC, NMLS #1641703. CUTX home loan programs are only available in Texas. Loans are subject to credit approval, CUTX’s lending policies, and property approval. Traditional closing costs apply. Additional terms and conditions may apply. Prequalification is not a commitment to lend. Membership required.