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Home Loan

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.

Why it’s great

  • First time home buyers get up to 97% loan to value with conventional financing
  • Quick pre-qualification gets you shopping faster
  • Conventional, jumbo, FHA, VA, and USDA loan options available
  • Purchase loans and cash-out refinances for second homes and investment property available (primary residence cash-out loans in Texas are Home Equity Loans)
  • No pre-payment penalty

What to know

  • CRCU home loan experts will assist in determining how much you qualify for
  • No Private Mortgage Insurance required with 20% down payment
  • FHA down payment assistance available
  • Jumbo loans from $766,550 available
  • Enjoy convenient online mortgage payments
  • Wind/hail insurance required for Galveston, Brazoria, and Chambers Counties
  • First time home buyer is considered someone who has not owned a property for the last three years for an FHA loan

How to get yours

Applying online makes the entire process fast and easy. Start your application today!


Our loans typically close in 25 to 45 days.

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