ECU Home Loans

Mortgage, HELOC, First-Time Homebuyer Loans with Pre-approval

Mortgage Loans

Make Your House, YOUR Perfect Home with Education Credit Union

Once you find the home of your dreams, don’t let it slip away with fast, flexible and full-service mortgage options from ECU.

Move fast on your next home with ECU first mortgages and mortgage refinancing. Education Credit Union offers a full suite of mortgage programs with flexible terms, competitive pricing, and quick, responsive service. Our mortgage originators help you choose the mortgage loan that fits your goals, timeline, and financial situation.

ECU conventional mortgage options and benefits:

  • Competitive mortgage rates and closing costs

  • Local approval and support

  • Fixed-rate mortgage options

  • Terms up to 30 years

  • Low down-payment options for first-time homebuyers

  • Conforming and non-conforming loans

Front shot of a modern home with a front yard and driveway
Front shot of a modern home with a front yard and driveway

Meet the Mortgage Team

Brittnie Aguirre Headshot
Brittnie Aguirre

Mortgage Director, MLO #1638316

Matthew Stuart Headshot
Matthew Stuart

Mortgage Originator, MLO #820956

Hugo Hernandez Headshot
Hugo Hernandez

Mortgage Originator, MLO #1341461

Local Mortgage Servicing for the life of your loan

Your relationship with ECU doesn’t end when your mortgage closes

Our local Mortgage Servicing team is here to support you throughout the life of your loan.

Whether you have questions after closing, need help managing your mortgage payment, or have questions about escrow, we’re here to help every step of the way.

We’re here to help with:

  • Questions after your loan closes

  • Monthly mortgage payment assistance

  • Escrow questions

  • Property tax and homeowners’ insurance

  • Loan balance and payoff information

Contact our local mortgage servicing team at 806-358-7777 EXT: 5980 or at MortgageServicing@educationcu.com.

Education Credit Union NMLS# 729181

ECU H.E.L.P. Program for First-Time Homebuyers

(Federal Home Loan Bank of Dallas)

Get the H.E.L.P you need to Secure Your Future Home

Get on a smarter path to homeownership. ECU’s mortgage team is partnering with the Federal Home Loan Bank of Dallas to help eligible first-time homebuyers with the Homebuyer Equity Leverage Partnership (H.E.L.P.) Program, designed to support qualified buyers as they move toward purchasing their first home.

H.E.L.P. Program Homebuyer Requirements:

  • Applicants must be first-time homebuyers who have not owned a home in the last three years to be eligible. H.E.L.P. funds may not exceed $25,000 per household.

  • Household income must not exceed 80% of the area median income.

  • Homebuyers must complete a free Homebuyer Counseling Program provided by ECU.

  • Homebuyers must contribute $500 toward the required down payment or closing costs.

  • No cash back allowed at closing.

  • Must sign a five-year retention agreement.

From application to closing, ECU focuses on making the process straightforward and hassle-free, with personalized support to help you secure the right mortgage.

Education Credit Union NMLS# 729181

Front shot of a modern home with a front yard and driveway

It’s On the House! The Equity in Your Home Gives You Financial Flexibility

Put your home’s equity to work for whatever opportunities or challenges life sends your way. If you own a home and need funds for home improvements, education expenses, debt consolidation, or a special vacation, ECU offers home equity financing options that can help you access cash with rates that are typically lower than personal loans. Interest may be 100% tax deductible. (Check with your tax adviser.) An ECU Home Equity Loan or Line of Credit is your next smart financial move!

Father and child playing on the steps of their homes porch
Father and child playing on the steps of their homes porch
Worker building the foundation of a new porch

Home Equity Loan (Fixed Rate)

Choose a Home Equity Loan when you want predictable, monthly payments and a low, fixed rate.

  • Borrow a one-time lump sum.

  • Repay over a fixed term.

  • Make payments easily through online and mobile banking.

  • Enjoy a quick and easy application process.

A Home Equity Loan is a smart way to finance a specific purchase.

Couple sitting against the wall resting from making home improvements

HELOC: Home Equity Line of Credit (Flexible Access)

A HELOC is an open-ended loan that gives you ongoing access to funds when you need them.

  • Draw funds as needed for projects or large expenses.

  • As you repay the loan, your available credit replenishes without reapplying.

  • Ideal for emergency funds, last-minute projects, home remodeling, college tuition, or bill consolidation.

  • Enjoy a quick and easy application process.

  • There is no prepayment penalty.

Worker and member discussing home improvement options

Home Improvement Loan (Fixed-Rate Renovation Financing)

If you are looking for the perfect specifically for home renovations, our fixed-rate Home Improvement Loan is the way to go.

  • One up-front lump sum

  • Borrow up to 100% of your home’s value or future value*

  • Make payments easily through online and mobile banking.

Be ready when life happens with an ECU Home Improvement Loan.

*Value determined by the appraisal district’s published value, or ac certified appraisal may be required at the borrower’s expense. Other conditions or restrictions may apply. Contact our ECU Mortgage Department at 806-358-7777 EXT: 4730.

Your Mortgage options at a glance.

MortgageOpen this loan to purchase your dream home with competitive rates and personalized financing options.
H.E.L.P. ProgramOpen this program to receive assistance with down payment and closing costs when purchasing your first home.
Home EquityOpen this loan to access funds from your home’s equity for renovations, large purchases, or other financial goals.
HELOCOpen this line of credit to borrow against your home’s equity with flexible access to funds when you need them.
Home ImprovementOpen this loan to finance home upgrades, repairs, and improvements that make your house feel like home.

Get started

Fill out the form, and an ECU mortgage team member will contact you.

Related Links