mortgages

Home Mortgage Loans

Homes are a lot more than brick and mortar; they're a place to build memories. Our mortgage loans will help you jump right into moments that matter.

We offer competitively low rates, a number of financing programs, and repayment terms that work uniquely for you. We also offer home-buying resources that equip you with the confidence to handle one of life's biggest purchases. Move into the neighborhood with the help of a credit union that's just around the corner.

Summary

• Competitively low rates for home purchase, refinance, or construction

• Available for primary residence, second homes, vacation homes, or investment properties

• Flexible repayment terms customized to your unique situation

• A wide range of financing programs available:

  • Fixed-rate mortgages

  • Adjustable-rate mortgages (ARMs)

  • USDA Loans

  • FHA Loans

  • VA Loans

  • First-time homebuyer specials

  • Construction loans

• Helpful loan advisors with working knowledge of the local real estate market

• Free pre-qualification for extra confidence securing financing

• Refinance your current home to potentially lower your rate

• Attentive, friendly service from start to finish

Learn More 

View rate information, helpful resources, and learn about the simple application process via our Mortgage Web Center or call today with any question 832.912.2173.

Ready to get started?

Home Equity Loans

Transition your home's equity into financing for a wide range of other needs. 

Mortgage payments come around every month. It’s about time they do something for you. Take advantage of our competitive rates, repayment terms up to 15 years, and our local, streamlined process for securing financing. The interest you pay might even be tax deductible* — making finally taking your kitchen from mod to modern sound that much better!

Summary

• Competitive, fixed rates for several short-term or one-time needs:

  • Education expenses

  • Major life events

  • Family vacation

  • Home remodel projects

  • Debt consolidation

  • And other needs

• The existing equity in your home is used as collateral backing (must be a Texas homestead residence)

• Borrow up to 80% of the appraised value

• Repayment terms up to 15 years

• The interest paid might be tax deductible*

• Local Southeast Texas decision-making and processing

• Attentive, friendly service from start to finish

Ready to get started?

*Consult a tax advisor.

Mobile Home Loans

Step into a mobile home that’s the right fit for you, backed by financing that is, too. 

Our knowledgeable loan advisors can help solidify the terms to make that happen. Plus, our local process keeps everything streamlined. Picking your mobile home specs is important. Less exciting but just as important: picking a lender that will work hard for you. At Wellspring Credit Union, that’s something you never have to worry about

Summary

• Competitive, fixed rates for the purchase or refinance of a mobile home

• Financing does not apply to the land or improvements — only to the mobile home

• Repayment terms up to 20 years

• Low down payment requirements

• Cash-out programs available

• Helpful loan advisors with working knowledge of the local real estate market

• Free quote with no obligation

• Refinance your current mobile home to potentially lower your rate

• Attentive, friendly service from start to finish

Ready to get started?

Land Loans

Secure the land you need to build, backed by financing that doesn’t break the budget.

Building new requires resources, one of the most pivotal of which being land. At Wellspring Credit Union, we offer competitive rates with repayment terms up to 15 years to help you with your land purchase. And just like you’re basing yourself locally, so are we. Speak to a helpful loan advisor from right here in the community to jumpstart the process.

Summary

• Competitive, fixed rates for the purchase of property with no existing structures

• Backed by the unimproved property as collateral

• Repayment terms up to 15 years

• Helpful loan advisors with working knowledge of the local real estate market

• Local Southeast Texas decision-making and processing

• Attentive, friendly service from start to finish

• Up to 90% financing – with only 10% down

Rates based on creditworthiness - some restrictions may apply.

Ready to get started?