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Fixed Rate Mortgage

Get the security of a fixed interest rate and flexible terms!

A home is one of the biggest investments you’ll ever make, whether you’re buying your first home or your forever home. So CRCU makes it easy and affordable to buy a home with a flexible home loan and great home loan rates. Fixed-rate mortgages have interest rates that stay the same throughout the life of the loan.

  • Local, direct access to mortgage professionals

  • Quick pre-qualification gets you shopping faster

  • Your payment never changes regardless of the economy.
  • Flexible terms
  • Down payments as low as 3% 
  • No pre-payment penalty 
  • First time home buyers get up to 97% loan to value with conventional financing
  • Purchase loans and cash-out refinances for second homes and investment property available (primary residence cash-out loans in Texas are Home Equity Loans)
  • Conventional, jumbo, FHA, VA, and USDA loan options available

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Leverage Your Home's Equity To Achieve Your Goals.

Tapping into your home’s equity with a CRCU home equity loan can be a great way to get closer to your goals, like consolidating high-interest debt, traveling, paying for education or home renovations, and more.


We offer flexible terms Contact Us to learn which might be best for you.
The difference between a Fixed-Rate Mortgage and an Adjustable-Rate Mortgage is that a fixed-rate mortgage has a fixed-interest rate for the life of the loan; whereas, an adjustable-rate mortgage (ARM) has an interest rate that varies. Sometimes an ARM will start at a lower interest rate than fixed rate mortgages and fluctuate depending on the PRIME rate.

Every circumstance is different and knowing what your short & long term goals are, will help you decide.  A 15-year mortgage minimizes your total borrowing costs and allows you to eliminate mortgage debt relatively quickly. But a 30-year loan has lower monthly payments, allowing you to save for other life goals and pay unexpected expenses.

If you’re looking to live in your home for the long haul, then a 30 year mortgage might be the best fit. Keep in mind with a 15-year mortgage, your monthly payments will be higher because you're squeezing all that principal into a shorter term.

To get more information, contact us to schedule an appointment with on of our home loan experts.

Our loans typically close in 25 to 45 days.

Once your application is complete, gather the following information:

  • Your completed application with signed initial disclosures
  • Two months’ most recent bank statements, all pages
  • Most recent statement on any stock, bond and retirement accounts
  • Paystubs from the last 30 days showing your year-to-date earnings
  • Two years’ most recent W2s
  • Two years’ most recent tax returns, with all schedules
  • Homeowner's, windstorm and flood insurance, if applicable, on current residence and all rental/other real estate owned
  • If applicable, mortgage statements
  • Two valid government-issued forms of ID, such as driver's license, Social Security card, CHL license, or passport

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9 Mortgage Terms Every Home Buyer Should Know

Buying a home is exciting, but it can also be a little daunting. Read on for a quick lesson in mortgage terminology to get you started. 

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The 20% Down Myth

You do NOT need 20% down to buy a house! See our tips on other mortgage options, and on why a lower down payment might be a great idea!

Read Full Article

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All You Need to Know About VA Loans
If you’re a veteran or the spouse of one, a VA loan could be your best route to homeownership! Community Resource can help get the ball rolling, so make the call!

Start your application online!

It’s easy to apply for your CRCU real estate loan with our online application. If you have questions or would like to schedule an appointment please email or call 832.926.7222.

Apply Now

Contact Us

Our loans typically close in 25 to 45 days.

1) All loans subject to credit approval. Under certain circumstances, private mortgage insurance (PMI) and 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 43%, and loan-to-value ratio not to exceed 95%. Two year verifiable employment and income history required. Certain other credit and income qualifications may apply. Minimum finance amount of $75,000 or higher. This product is for refinancing 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. 2) Investment 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. Please contact a CRCU representative for more details. CRCU membership required.