Skip Navigation

Home Loans

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 Greater Texas | Aggieland Credit Union will help you choose the program that is right for you-saving you money on interest rates and monthly payments.

Apply Online

 
 

Get more from your mortgage with superior benefits.

Quick, easy pre-approval.

Get pre-approved by filling out a quick application before you start searching for your dream home.

Mortgage options to choose from.

With 6 different mortgage options to choose from, we have the exact home loan that you need. From conventional loans to FHA and VA loans, we are your one stop shop for your next home loan.

Exclusive member resources.

Access our home loan resources to help you determine how much home you can afford.

Help is at your fingertips.

Our loan officers will guide you through the whole process. We are standing by to answer any questions.

 


Current Mortgage Rates

**Rates are subject to change without notice.**

Non-Conforming Mortgage Rates

Product Months Rate Points Rebate APR* Payment
30 Year Fixed 360 3.375% 0.000 $0 3.463%
$684
Apply Now
20 Year Fixed
240 3.125% 0.000 $0 3.248% $860 Apply Now
15 Year Fixed 180 3.000% 0.000 $0 3.16% $1036 Apply Now
Product
30 Year Fixed
Months
360
Rate
3.375%
Points
0.000
Rebate
$0
APR*
3.463%
Payment
$684
Product
20 Year Fixed
Months
240
Rate
3.125%
Points
0.000
Rebate
$0
APR*
3.248%
Payment
$860
Product
15 Year Fixed
Months
180
Rate
3.000%
Points
0.000
Rebate
$0
APR*
3.16%
Payment
$1036
 
 



 

Mortgage Calculator

$
$
3.375
Monthly Payment: 0
 
 
 
 
 

 

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 | Aggieland Credit Union, we work with you to get the best mortgage rates and loan terms available.
 

 

Program

Description

Benefits

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 Loan

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.

Program
Conventional Fixed-Rate Mortgage
Description
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.
Benefits
Conventional fixed-rate mortgages include fewer closing costs, flexible monthly payment terms and no mortgage insurance with 20% down or more.
Program
Conventional Adjustable-Rate Mortgage
Description
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.
Benefits
Conventional adjustable-rate mortgages can be desirable due to the low-rate introductory period.
Program
Adjustable Rate Mortgage
Description
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.
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.
Program
VA Loan
Description
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.
Benefits
VA loans offer low interest rates, no down payment requirement or monthly mortgage insurance, and an easier mortgage application process.
Program
FHA Loan
Description
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.
Benefits
Advantages of FHA loans include lower down payments, flexible eligibility requirements, and lower monthly payments.
Program
USDA Loan
Description
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.
Benefits
The big advantages of USDA loans are low-interest rates and zero down payment. There is also less strict qualifying criteria.

 

 

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.

 

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.



Apply Online


*APR=Annual Percentage Rate
 
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).
Now Weather Icon
Weather Icon
Weather Icon
Weather Icon
Weather Icon
Symbol Price Change
Add a Stock

Stock Report

News Report

I am sorry, an error has occurred.