EECU will be closed Monday, January 17 in observance of Martin Luther King Jr. Day.
Our Alliance Town Center, Hurst, North Richland Hills, Northside, Saginaw, and Southlake Financial Center lobbies are available by appointment only. Appointments can be scheduled by calling each Financial Center directly.
Love your home, but not your loan? It might be a good time to refinance your mortgage. We have plenty of options to help you meet your financial goals. Whether you're looking to lower your interest rate and reduce your monthly payment or access your home's equity, we can help. With our streamlined technology, you can apply, submit your documents, and track your progress online. Plus, our Mortgage Advisors are here to help every step of the way to make the process more enjoyable.


The EECU Difference

  • A mortgage advisor dedicated to your home loan
  • An easy, and friendlier, online application

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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, through our subsidiary North Texas Insurance Services.^

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^ North Texas Insurance Services are provided through CU Financial Group. Insurance products are not products of EECU and are not insured by the NCUA. They are not an obligation of or guaranteed by EECU or North Texas Insurance Services.

Today's Mortgage Rates as Low as
3.372% APR*
15 Year Fixed Conforming1

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Introducing Hassle-Free Jumbo Home Loans
Purchase or Refinance Jumbo Home Loans with a Personal Touch
  • Up to $2M Financing Available
  • 5% Down Options Available**
  • Dedicated Friendly Mortgage Advisor

Refinancing your mortgage doesn’t have to be complicated
especially if you know the steps to take ahead of time.

  • The Refinancing
  • Explore Your Options
  • Apply & Track
  • Close Your Loan

Step 1: Explore Your Options

There's more than one way to refinance or cash in on your home's equity for expenses. Learn the advantages of each, and then decide which one works best for your situation! Already know what you're looking for?

Step 2: Apply & Track

Once you understand the benefits, opportunities and considerations, it's time to apply. We've made it incredibly easy to navigate the application process. Your personalized portal tracks your application, allows you to upload documents, and more. When you want a personal touch, our team of Mortgage Advisors are here for you.

Step 3: Close Your Loan

Get ready for your big day. Your personal Mortgage Advisor works diligently to prepare all the paperwork and handle all the details for a smooth close.

What types of refinance options 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 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 $647,200, then consider a Jumbo loan. A Jumbo loan offers low rates and a choice between fixed and adjustable rates.

FHA Mortgage

With an FHA loan, refinance your home with a less-than-perfect credit history. FHA was developed to provide an alternative to conventional financing.

Cash Out Mortgage

A cash out mortgage allows you to refinance your home and take out your equity at the same time. If you're interested in lowering your interest rate and monthly payment a cash out mortgage may be right for you.


Having trouble refinancing your home? RefiNow™, from Fannie Mae and EECU, lowers barriers and makes it easier for homeowners with qualifying incomes to take advantage of today's rates!

Other Refinance 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.

† RefiNow™ is a trademark of Fannie Mae. Freddie Mac and Fannie Mae have adopted a new refinance option for loans to borrowers with incomes at or below 80% of area median income and you may be eligible to take advantage of this program. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under this refinance option.

You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites:
Freddie Mac Loan Look-up Tool
Fannie Mae Mortgage Loan Lookup

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

* Refinance 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).

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.

2 Mortgage 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

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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