Mortgage Loans

Home is not a place, it's a feeling. Home is where love resides and memories are created. Let us help you find the place to live your story. Whether you are planning on building your dream home or remodeling a home to make it yours, East Texas Professional Credit Union Mortgage Lending Specialists can help make it possible. 

For additional information or to set up an appointment with a Mortgage Lending Specialist, please call 903-323-1232 or 800-256-5009 ext. 1232 or click to email us at

All mortgage loans feature:
  • Easy online application
  • 24 hour pre-approval 
  • Servicing retained 
  • In-house underwriting

  • Up to 95% financing of purchase price or appraised value (whichever is less) for owner-occupied residences
  • No PMI on 90% LTV 
  • No points
  • No origination fees

East Texas Professional Credit Union can finance the construction of your new home, as well as the permanent financing.
Our loans feature a one time close with substantial savings in closing costs on any in-house program. A 10% down payment is needed. 
A Home Equity Loan utilizes your home's value by providing you with the necessary funds for anything from college tuition, home improvements or vacation. An East Texas Professional Credit Union Home Equity Loan allows you to borrow money that is secured by the equity in your home. Determine the amount of equity in your home by taking 80% of the current market value and subtracting any outstanding mortgage or other liens.
From floors to ceilings and everything in between, let us customize a home improvement loan for you! We offer competitive home improvement loan rates. Properties must be owner-occupied (primary residence or second home). A variety of fixed rate financing terms are available.
East Texas Professional Credit Union can refinance your current residential loan from another lender. We can also consolidate your existing first lien mortgage with a new or existing home improvement loan.
For unimproved properties, financing is available for up to 80% of the purchase price or appraised value, whichever is less.