Move In With 5% Down and No PMI

Only 5% Down & 95% LTV

Instead of waiting to save 20% for a down payment, you can take advantage of only needing a 5% down payment on a 95% LTV mortgage.

No Private Mortgage Insurance (PMI)

CUTX has great rates, and you can expect a lower monthly payment because we are not requiring mortgage insurance.

Save Your Cash

Keep more cash in your pocket to pay for things like new furnitiure, your utility bills, or any other ongoing expenses you may have.

Now is the Right Time to Buy

Take advantage of a buyer's market by purchasing the home of your dreams now! Start your application here.


Don't Wait, Get Started Today!


Still Looking for your Dream Home?
Get PreQualified.

Get serious about home buying by getting prequalified. Most sellers and realtors value prequalified home buyers, and it's a simple process you can handle with an easy phone call.

Give Us a Call

Found your Dream Home and Need a Mortgage?
Apply Today.

You can apply online and we'll help you throughout the mortgage process. In fact, we have the tools to help you handle the majority of your paperwork electronically.

Apply Online

LTV = 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.