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Buying a Home

Whether you're looking for your first home, or making a move to a new community, buying a house is a rewarding experience. We want to keep it that way. So, we looked at all the ways the home loan process can slow you down – and did something about it. Our newly re-imagined home loan experience is the new standard for getting a home loan. Streamlined technology makes it faster and more efficient. Real people help make every step easier, friendlier, and dare we say, more enjoyable along the way.

The Buying Process, Uncomplicated

Get Prequalified

The first step to find your forever home, get prequalified. Answer a few questions and you will know how much home you can afford. If you have any questions, our team is here to help.

Shop For Your Home

With your prequalification, shop for the home of your dreams. Lost on where to start, let us help you connect to a real estate agent who will lead you to the door.

Mortgage Advisor - Your Guide

Our Mortgage Advisors are here to guide you through your next steps, including the mortgage application. We've made it easy to apply, track your progress, and communicate with your Mortgage Advisor.

Close Your Loan

Your big day is finally here – it’s closing time! Our Mortgage team works diligently to prepare all the paperwork and handle all the details for a smooth close.

Mortgage Types

Fixed Rate Mortgage

Looking to have your payment stay the same for the entire loan term? A fixed rate mortgage is your best bet. With a fixed rate conventional loan, you'll have peace of mind knowing your monthly principal and interest payments will remain exactly the same, for the life of the loan. Fixed-rate loans are available in 10, 15, 20, and 30 year terms, with options to eliminate mortgage insurance.

Adjustable Rate Mortgage

An Adjustable Rate Mortgage, sometimes referred to as an ARM, has a lower rate and lower monthly payments for the first 3, 5 and 7 years, depending on the term you choose. But after an initial period, your rate and payment may change, based on interest rates at the time.

Jumbo Mortgage

If you need a home loan over $453,100, then consider a Jumbo loan. A Jumbo loan offers low rates and a choice between fixed and adjustable rates.

FHA Mortgage

Are you a first-time homebuyer or worried you don't have enough money for closing costs or a down payment? A Federal Housing Administration (FHA) loan could be right for you. With an FHA loan, your down payment could be as little as 3.5%, and you can apply with less-than-perfect credit history. FHA was developed to provide homebuyers an alternative to conventional financing.

VA Mortgage

If you’re an active military member or a military veteran, a VA mortgage is a smart choice. Veterans Affairs (VA) loans have helped millions of veterans and their families become homeowners. All VA loans are guaranteed by the federal government and offer borrowers no down payment, no mortgage insurance, and relaxed credit standards with competitive rates.

Other Loan Options

Do not see the loan you need or have a unique situation? Talk with a Mortgage Advisor today. See what options are available, learn the advantages of each, and decide which works best for your situation.

You must be eligible to become a Resource One Credit Union Member.

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Restrictions may apply; see credit union for details. Resource One Credit Union home loan programs are only available in Texas.