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Fund Your Goals This Year 🏡💰

Couple with contractor discussing renovation or construction plans for their home






New Year Goals? Your Home’s Equity Can Help Make Them Happen.

The new year brings fresh goals for home projects, debt payoff, travel plans, or simply more financial breathing room. Instead of relying on high-interest credit cards, consider using the value you’ve already built in your home.

With an HFCU Home Equity Loan or Cash-Out Refinance, you can turn your home’s equity into flexible, affordable cash—helping you start the year prepared and in control.

Why a Loan with HFCU Mortgage Makes Sense:

  • Lower Fixed Rates Than Most Variable Rate Credit Cards
  • Flexible Terms for a Comfy Payment
  • Fast Access to Cash Before the Holidays Hit
  • Low Closing Costs & No Surprise Fees
  • Use It for Anything — gifts, travel, home repairs, debt payoff

Start the year feeling confident, organized, and ready for what’s next. Apply today or schedule an appointment with HFCU Mortgage to explore the option that best fits your goals. Apply today or schedule an appointment with HFCU Mortgage.

HFCU Mortgage is ready and available to assist you! Our Mortgage Lending Team is available by appointment Monday–Friday 9:00 a.m.–5:00 p.m. CT. Start your application process by clicking the link below, or you can also speak with one of our representatives by phone at (346) 637-3189, or toll-free at 1-(866) 687-4328 to discuss the option that works best for you.  Have questions? View our Mortgage FAQ page.
 































Talk to a Mortgage Loan Specialist for more details at (346) 637-3189 or toll-free at 1-(866)-OUR-HFCU (687-4328). Our Mortgage Lending Team is available by appointment Monday–Friday 9:00 a.m.–5:00 p.m. CT. HFCU is an equal opportunity lender. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership.

Actual program rates, terms, and conditions subject to change at any time and may vary based on the borrower’s credit history, HFCU lending policies, and property approval. Other restrictions may apply.

Fees may vary.

Houston Federal Credit Union NMLS #673404.