If you have dreams... we have the solution.
Thank you for choosing Smart Financial for your Lending needs.
Due to recent developments with the Coronavirus (COVID-19), we are temporarily making changes to our current application process. We will only process applications for existing members. Applications have temporarily been restricted to the following:
- Home Purchase
- Home Refinance
- Home Equity
- Lot Purchase
We know that decisions with your home are extremely important, and we are honored that you looked to us to fulfill your need. Be sure to check this page often for updates as our application restrictions may change. Thank you for your understanding and we look forward to serving you in the near future.
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We look forward to putting our mortgage services to work for you!
We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
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.
LOT LOAN
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.
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