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2026-05-01
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2017-04-24
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Mortgage Rates as Low as 4.500% with a 4.713% APR*
Now is the time to invest in a place to call home. Whether you're buying your first home, upgrading your space, or refinancing for better terms, HFCU Mortgage helps you make a smart move with real financial benefits.
With competitive low rates, flexible loan options, and fewer upfront costs, you can move forward with confidence—and keep more money in your pocket. In fact, with no origination point fees and reduced closing costs, you could save thousands over the life of your loan.
Why HFCU Mortgage:
- Low Rates That Make a Difference – Rates as low as 4.500% with a 4.713% APR*
- Lower Closing Costs – Keep more cash in your pocket upfront
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No Origination Point Fees – Save thousands over the life of your loan
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Flexible Loan Options – Designed around your goals and budget
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Refinancing Opportunities – Potentially lower your rate or monthly payment
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Personalized Guidance – A team focused on what’s right for you
Whether you're ready to stop renting, create more space, or simply improve your financial outlook, HFCU Mortgage gives you the tools to make it happen, without unnecessary costs holding you back.
Make this May the start of something meaningful.
HFCU Mortgage is here to help every step of the way! 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.
*APR = Annual Percentage Rate.
Loan amount is $200,000.00, APR of 4.713% fixed for 10 years and a monthly mortgage of $2,072.77. Rate is listed for a conventional first-lien purchase money mortgage on owner-occupied single-family detached primary residences only.
The loan scenario above is for example purposes only. Monthly payment samples reflect principal and interest (P&I) only. Sample payments do not include amounts for taxes and insurance, and your actual payment may be higher. Annual percentage rate (APR) and interest rate are current as of 5/1/2026. The samples above are based on a Borrower with a 750 FICO score and 20% down payment. 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.
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.
Fees may vary.
Houston Federal Credit Union NMLS #673404.