Community Hero Mortgage


For all on the front line everyday… you are our hero!

APPLY NOW

Introducing the CRCU Community Hero Mortgage!1


We know you work hard giving back to your community, that’s why CRCU is giving back to you.  We offer a very special mortgage loan for those in the medical industry, educational field, and all first responders.

CRCU Community Hero Mortgage

  • NO Lender Fees - Pay no point, origination, underwriting, & processing fees.
  • Best Rate Guarantee2
  • NO Private Mortgage Insurance (PMI) required
  • ZERO down payment required1


Let CRCU assist you in navigating the mortgage process, so you can continue to focus on what’s most important.  Click or call and let CRCU be your mortgage hero!





  • Flexible terms available
  • Local Decisioning mortgage professionals
  • Bilingual Loan Officers
Who qualifies for the Community Hero Mortgage?3
  • Education Professionals - Teachers & Administrators, includes all K - 12 and all higher education institution professionals
  • First Responders - Law Enforcement, Fire Department Personnel, Emergency Medical Services, etc.
  • Healthcare Professionals - Physicians, RNs, Therapists, Technicians, etc.


Start your application online or schedule your appointment with our Mortgage Specialists!


It’s easy to apply with our online application. If you have questions or would like to schedule an appointment please email Mortgages@crcu.org or call 281.420.3746.
1All loans subject to credit approval. Under certain circumstances, an escrow account for taxes and insurance may be required. Other eligibility includes a credit score of 680 or greater, no bankruptcy in the previous 36 months, debt-to-income ratio not to exceed 41%, and loan-to-value ratio not to exceed 100%. Two-year verifiable employment and income history required. Certain other credit and income qualifications may apply. Minimum finance amount of $75,000. 100% loan-to-value purchase for primary home only. 97% loan-to-value for rate/term refinance (does not include cash out refinances). Refinance applies to non-CRCU mortgages only. Must qualify for CRCU in-house portfolio loan. Offer does not include FHA, VA, and USDA mortgages or other government backed mortgage loans. Maximum loan = $300,00. 2Investment properties, Home Equity Loans and Jumbo Mortgage Loans are not eligible for the Best Rate Guarantee. Real estate promotions cannot be combined with any other offer. A competitors Mortgage Loan Estimate dated within three business days of CRCU’s mortgage loan offer is required in order to qualify for the Best Rate Guarantee. CRCU reserves the right to cancel or change these promotions at any time. 3Must be classified as a full time employee for First Responders, Health Care Professionals, or Teaching Professionals and must have at least two years of employment history. Please contact a representative for more details. CRCU membership required. CRCU reserves the right cancel or adjust this promotion at any time.