Home Loan

Customize Mortgage Loans to Fit Your Needs

From buying your first home to upgrading space for your growing family, we have the home loan to suit your needs.

Getting a home loan can be a daunting process for experienced and first time home buyers but with a good team that process can seem a lot less daunting. We understand that home buying is a unique process for everyone. Our team at Aggieland Credit Union will help you choose the program that is right for you-saving you money on interest rates and monthly payments.

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Get more from your mortgage with superior benefits.

Most Popular Home Loan Programs

Securing the right loan amount and monthly mortgage payment doesn’t have to be guesswork. When you choose Greater Texas Credit Union, we work with you to get the best mortgage rates and loan terms available.




Conventional Fixed-Rate Mortgage

Conventional fixed-rate mortgages are among the most common types of home loans. These mortgages allow you to secure a fixed rate for 15, 20, and 30-year loan programs.

Conventional fixed-rate mortgages include fewer closing costs, flexible monthly payment terms and no mortgage insurance with 20% down or more.

Conventional Adjustable-Rate Mortgage

Conventional adjustable-rate mortgages are another popular home loan offered at varying term lengths. This type of mortgage allows you to secure an initial fixed, low-interest rate period before the adjustable-rate kicks. Your rate will fluctuate based on an adjustment index and monthly payments may increase or decrease in the long term.

Conventional adjustable-rate mortgages can be desirable due to the low-rate introductory period.

Adjustable Rate Mortgage

Adjustable-rate mortgages (ARM), also called 3/1, 5/1, and 7/1, is a type of home loan with a fluctuating interest rate. The rate on an adjustable-rate mortgage is less than that of a fixed-rate mortgage. However, because the rates fluctuate it’s important to weigh the risks and benefits.

An adjustable-rate mortgage may enable you to obtain a lower interest rate, plus fixed payments for a longer term compared to other adjustable rate home loans.

VA Loan

VA loans are insured by the U.S. Department of Veterans Affairs (VA). These loans are available to active and retired military, as well as surviving spouses. VA loans provide 100% financing to those meeting eligibility requirements.

VA loans offer low interest rates, no down payment requirement or monthly mortgage insurance, and an easier mortgage application process.

FHA Loan

It’s true that FHA loans are ideal for someone purchasing their first home. However, FHA loans are available to any buyer seeking a government-backed mortgage whether or not you’re a first-timer.

Advantages of FHA loans include lower down payments,  flexible eligibility requirements, and lower monthly payments.


USDA loans help borrowers purchase homes in both suburban and rural areas. USDA loans strive to improve the economy and make homeownership achievable for just about anyone.

The big advantages of USDA loans are low-interest rates and zero down payment. There is also less strict qualifying criteria.

Refinancing Your Home Loan?

You may not be in the market for a new home, but how about a new low-interest rate? Refinancing your existing mortgage can take place quickly at any of our branches so you can start saving you money.

Refinancing is available for all types of mortgages - conventional, FHA loans, adjustable-rate and fixed-rate.

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Your Home Loan Financing Resource

 It can be overwhelming trying to figure out which program is right for you. Luckily, our mortgage professionals have years of experience helping clients just like you navigate the home buying process. Let us help guide you in the right direction.
*APR=Annual Percentage Rate

No closing cost mortgage details. Offer available on the following products only: GreaterTX 30, GreaterTX 20, GreaterTX 15, GreaterTX 10, and GreaterTX 5-year fixed rate mortgages, GreaterTX 10/1, GreaterTX 7/1 and GreaterTX 5/1 adjustable rate mortgages, and home equity loans. Offer only applies to portfolio loans and is not available for investor loans. All applicants must meet standard underwriting guidelines. Maximum Loan-to-Value ratio for all Mortgage Loans in this promotiRates are subject to change. This offer does not apply to refinances of existing Greater Texas Federal Credit Union mortgage loans, unless the new loan amount exceeds the loan being refinanced by at least $50,000.00. You will be required to maintain property insurance throughout the life of the loan and title insurance is required on any 1st Mortgage. If loan is paid off within 36 months from the date of closing, the borrower must reimburse the full amount of closing costs paid on their behalf. Offer applies to standard third-party closing costs associated with loan underwriting including underwriting fee, document preparation fee, survey and appraisal, and does not include loan payoffs, lien satisfactions, taxes, insurance or any recurring expense, home inspection, flood insurance, curative title, or other non-standard attorney or closing fee. Maximum amount of closing costs eligible to be paid by the Credit Union is the lesser of 1% of the loan balance, not to exceed $5,000.00, and will not include amounts paid by other parties as part of the transaction. The borrower is responsible for closing costs exceeding this amount.

Membership required. The Interest rate, annual percentage rate (APR), origination fees, discount points and closing cost are subject to change without notice based on your loan amount, credit history, loan to value, property type, and intended use of the subject property. This is not an offer of credit and is subject to the terms and conditions of Greater Texas Federal Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply. Equal Housing Lender, Greater Texas Federal Credit Union (NMLS# 450182) offers mortgage loans by partnership with TruHome Solutions, LLC (NMLS# 284608).

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