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HFCU is There for all Stages of Your Real Estate Life

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Real estate is one of the most important financial decisions you can make. If value, convenience and having someone by your side to facilitate the real estate loan process is important to you, Houston Federal Credit Union’s Real Estate department is the perfect choice for you. We believe in being our member’s advocate by helping them achieve their dreams with personalized financial solutions.

Beginning stage: Real Estate purchase

HFCU has HomeAdvantage ®, our Real Estate Agent network. With over 5,000 agents in approximately 23 states, use HomeAdvantage to find your first home, vacation home, or condo; this service is provided for HFCU members for free! Once you find your home, let HFCU make your dreams come true with a hassle free mortgage loan. Our dedicated team is standing by to make the mortgage loan process easy, convenient and transparent.

Apply for your Mortgage Loan Today!

You can also call to talk with a HFCU Real Estate representative at 1-866-OUR-HFCU to Apply Today!

The End stage: Real Estate Sale

HomeAdvantage real estate agents can also assist you with the sale of your home, condo, or loft; a free service for HFCU members. With HomeAdvantage real estate agent network, buying and selling a home is easy, convenient, and members can earn HomeAdvantage Cash Rewards*. Members who close their real estate transaction with the HomeAdvantage real estate network receive HomeAdvantage Cash Rewards* at closing. Choose from a list of qualified, trusted, and experienced real estate agents in your area. HFCU is ready to get you off to a fast convenient start in buying and selling your home!

Visit the HomeAdvantage Real Estate Network

Real Estate mid-life: Home Equity

HFCU has a wide variety of Real Estate loan products to choose from; real estate loan products that fit your lifestyle, family needs and every stage of your life. We are there for you, from the moment your HomeAdvantage real estate agent finds you that perfect home, we can and will finance your first mortgage, unimproved property loan, lot loan, home equity loan or home equity line of credit loan to name a few.

Houses have mid-life crises too. The house you bought 10 years ago, may need a new roof, air conditioner, or you’re at the End Stage of real estate and need to make repairs to your home in order to sell it through HFCU’s HomeAdvantage real estate agent network. SURPRISE, you need an addition on your home, your in-laws are moving in with you. We can meet each of these needs with our Home Equity loan product, as low as 3.875% annual percentage rate for Texas members and 3.875% annual percentage rate for South Carolina members. Save on closing costs when you finance with HFCU, we pay your normal closing costs!** Our dedicated Real Estate Team will get you the best finance rate and make the real estate loan process easy and convenient. Houston Federal Credit Union is here for you today and every tomorrow.

Let HFCU Real Estate help you get into your first home, forever home, or anything in between!

Hurry! These low rates are only offered October 1, 2019 through October 31, 2019. Apply for your home equity loan today!

Call us toll-free at 1-866-OUR-HFCU to Apply for a Home Equity Loan Today!

*The HomeAdvantage® program is made available to HFCU members through a relationship between Houston FCU and CU Realty Services. Cash Rewards are awarded by CU Realty Services through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institutions is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.
**The credit union will pay normal closing costs which include the following fees: title search, recording fee, release of lien, flood determination, and credit report. Additional fees, such as any necessary title insurance, appraisal, survey, and attorney fees will be the responsibility of the member. This is not limited to promotional periods. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Loan term, loan to value (LTV), and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply and rates are subject to change without notice. Stated “rates as low as” apply to 1st liens only. Texas residents: The principal loan amount at the time the loan is made must not exceed an amount that, when added to the principal balances of all other enforceable liens against you home, is more than 80% of the fair market value of your home. Texas residents may only have one home equity loan or HELOC in a 12-month period. MINIMUM PAYMENT EXAMPLE: If you financed $10,000 for 5 years at 4.15% annual percentage rate, your approximate monthly payment would be $184.84 for 59 payments with the approximate final payment of $185.05. South Carolina residents: The mortgage amount may not exceed the lesser of 90% of the taxed assessed value or 80% of a certified appraisal. South Carolina residents are limited to establishing one home equity loan or home equity line of credit at one time. MINIMUM PAYMENT EXAMPLE: If you financed $10,000 for 5 years at 4.85% annual percentage rate, your approximate monthly payment would be $188.03 for 59 payments with the approximate final payment of $187.79.