If you have dreams... we have the solution.
We look forward to putting our mortgage services to work for you!
We offer some of the best mortgage tools available - easy, convenient, online shopping for the best loan programs and most current rates. With the help of our experienced Mortgage Team, we guide you through the often difficult and confusing process of choosing and getting the loan that fits your personal and financial needs.
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Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
HOME REFINANCING
Refinancing your home? Refinancing your current home loan can offer many benefits: Reduce your monthly mortgage payment; Payoff your home in shorter term; and/or Change your current variable rate loan to a fixed rate loan.
Considering a home equity loan? Borrow up to 80% of the Fair Market Value of your homestead property to consolidate debt, college tuition, or unexpected purchases.
Looking to build a new home and want to purchase some land? We offer up to 75% financing on residential lots up to $150,000 with a minimum loan amount of $15,000. Once a house is built and suitable for occupancy, a permanent mortgage loan replaces the lot and construction financing.
HOME IMPROVEMENT
Ready to renovate? With loan amounts available up to 90% of the Fair Market Value of your homestead, we provide you with the cash needed to build a pool or renovate your home. With flexible terms available up to 15 years, this loan is a great choice if you need additional cash above the 80% limit on a Texas Home Equity loan.
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Smart Financial Credit Union
6051 North Course Dr. Ste 100
Houston, TX 77027
T (713) 407-1830
F (713) 407-1727
E mortgagelending@smartcu.org