EECU will close at 5 p.m. on Tuesday, March 12 for an All Employee Event.
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 EECU Difference

  • A mortgage advisor dedicated to your home loan
  • An easy, and friendlier, online application
  • Our guarantee that we'll close your loan by the contract closing date**

We Offer Homeowners Insurance

As your friends and neighbors, we care about your personal well-being and security when the unexpected happens. That’s why EECU offers homeowner and rental insurance plans.^

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^ EECU's insurance services are provided through CU Financial Group, LLC, an independent insurance agency. Insurance products are not insured by the NCUA and are not products of obligations of, or guaranteed by, EECU or North Texas Financial Services, LLC d/b/a EECU Insurance Services (EECU's wholly owned credit union service organization).

** Guarantee Conditions and Requirements:

  • All circumstances resulting in a delayed closing date must have been under the exclusive control of EECU and not attributable in any way to third party or applicant actions, omissions or delays.
  • Contract closing date must be at least thirty (30) days from the date EECU receives (i) a complete purchase mortgage application (and all supporting documentation) and (ii) a copy of a fully executed real estate purchase contract.
  • If a closing date is delayed as a result of EECU’s actions, a closing credit of $500 will be applied toward usual and customary buyer closing costs. If seller/third-party paid closing costs result in less than $500 remaining in buyer closing costs, EECU will only provide a closing credit equal to the buyer closing costs balance outstanding. Applicants are not entitled to cash back. Usual and customary buyer closing costs include, without limitation: escrow fee, appraisal fee, loan document preparation fee, recording fee, courier fee, and prepaid items such as flood and hazard insurance and ad valorem taxes.
  • To ensure EECU provides outstanding service and depending on the purchase mortgage application volume at any given time, EECU may, from time to time, end this promotion for new applications without notice and reinstate this promotion at a later date. All purchase mortgage applications, excluding construction loans, received while this promotion is in effect will qualify for the guarantee described herein. Subject to any purchase mortgages applications which have already qualified for the guarantee described herein, this promotion may be terminated by EECU at any time in its sole discretion.


Today's Mortgage Rates as Low as
6.591% APR*
15 Year Fixed Conforming1

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Start Building the Home of Your Dreams
Simplify the Financing Process with a Construction Loan from EECU
  • Flexible Term Options
  • Only Pay Interest for the first 12 Months
  • Save Time & Money on Closing Costs

Buying doesn’t have to be complicated

especially if you know the steps to take ahead of time.

  • The Home Buying Process
  • Get Prequalified
  • Mortgage Advisor
  • Close your Loan

Step 1: Get Prequalified

So we looked at how the home loan process can slow you down. Answer a few questions and you'll know how much home you can afford. Do you have questions? Our friendly and knowledgeable Advisors are here to help.

Step 2: Work with a Mortgage Advisor

Our personal 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, upload documents and communicate with your Mortgage Advisor.

Step 3: 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. In fact, we guarantee we’ll close your loan by the contract closing date or we’ll give you a $500 credit toward closing costs.**

What types of mortgages are there?

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 5 or 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 $647,200, 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.

Land Loan

Need to purchase a plot of land to build your dream home? Our land loan option allows you to buy that property today so you can build that perfect home in the future. Fixed rates for up to 15 years.

Construction Loan

Ready to build your dream home? A construction loan allows you to only pay interest for the first 12 months and then convert to a standard home loan once construction is finished. With flexible terms, fixed and adjustable rate options, and only paying closing costs once - you’ll save both time & money!

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.

Own the home you want and use your down payment to create the perfect Saturday pool.

Learn more
down mortgage

Customize your rate.

Call (817) 882-0181 for customized pricing on the following products:
30 Year VA, 30 Year FHA, 15 Year VA, 15 Year FHA

* APR means Annual Percentage Rate. Your final APR may vary based upon customary fees and closing costs which are included in your final APR. Rates and terms are subject to change without prior notice; other restrictions may apply. EECU home loan programs are only available in Texas.

1Loans subject to credit approval, EECU's lending policies, and property approval. Rates subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and EECU's lending policies. For example, a typical 30-year conforming $225,000 loan with a fixed rate of 4.50% (4.556% APR) would have 360 monthly principal and interest payments of $1,140.04 and a typical 15-year fixed conforming $180,000 loan with a fixed rate of 4.00% (4.123% APR) would have 180 monthly principal and interest payments of $1,331.00. The payment example does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Private Mortgage Insurance (PMI) may be required for loans with less than a 20% down payment. Other rates and terms available.

2Mortgage rates assume borrower has excellent credit (including a credit score of 750 or higher). Estimated monthly payments shown include principal and interest only. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM). 

Meet Our Friendly Mortgage Advisors

When you want a personal touch, our team of personal Mortgage Advisors are here for you and all your mortgage needs. Real People, Real Conversations.

Meet our Mortgage Advisors

Find A Real Estate Agent

Buying and selling your home should be a rewarding experience! With EECU Realty Services you can sign up to be connected to a real estate agent and earn $650 - $7,200 in cash back*.

* Learn more

Understanding Mortgages

Being informed means you’re empowered to make smart financial decisions. And by making smart financial decisions, you’ll avoid common mistakes, save more, and invest better. Understand what it takes to do what’s best for you and your loved ones.

Mortgage Literacy

Real members. Real stories.

The Sailsbury Family

We had been saving for years to buy our first home, but when we found the house we had always wanted, we thought we couldn’t afford it. I called EECU and was told that we qualified for their new 100% Financing Program. Now it is our home! Thank you to all of the EECU team that helped our dreams come to fruition!

The Sailsbury Family
New Homeowners

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