Mortgage Loans
A great homeownership experience starts by working with the right lender. Our relationship opens the door to more opportunity and delivers low rates.
Welcome Home To Better Service
Our home loan experts will help you find the mortgage that fits your budget and lifestyle goals. Whether you're a first-time buyer or a longtime owner, CUTX has options that work for you.
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Get prequalified for your new home purchase
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Save hundreds off your closing costs by using our preferred realtors
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Take advantage of historically low rates
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Use your home equity to pay off debt and increase your monthly cash flow
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Quick loan closing
5% Down No PMI1
Your dream-home purchase is more affordable through CUTX.
- Borrow up to 95% of your new home's value
- Qualify for a loan with a down payment of just 5%
- With no private mortgage insurance, your monthly loan payments will be lower
5 Yr Interest Only
This special option can provide plenty of financial freedom for five years.
- Just make interest payments for the first five years
- Control your cash flow and spend your money on other priorities
- Ideal option for second homes and investment properties
15/20/30 Mortgages2
We'll help you choose a home loan that fits your budget and your lifestyle.
- Choose mortgage terms of 15, 20 or 30 years
- Fixed rates mean stable monthly payments over the life of the loan
- Competitive rates and low closing costs
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NMLS #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. Prequalification is not a commitment to lend. Membership required.
1LTV = Loan to Value. PMI = Private Mortgage Insurance. NMLS #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. Prequalification is not a commitment to lend. Traditional closing costs apply. Membership required.
2• A typical 15-year conforming $250,000 loan with a fixed rate of 2.125% (2.210% APR) would have 360 monthly principal and interest payments of $1,623.20. The payment example is for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies.
• A typical 20-year conforming $250,000 loan with a fixed rate of 2.625% (2.692% APR) would have 360 monthly principal and interest payments of $1,340.03. The payment example is for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies.
• A typical 30-year conforming $250,000 loan with a fixed rate of 2.75% (2.672% APR) would have 360 monthly principal and interest payments of $1,004.13. The payment example is for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies.