Mortgage Loans

Security First Credit Union wants to give you knowledge to make you a wiser, smarter consumer. We will help guide you through the process and find the program that best fits your needs. We have a unique ability to serve your mortgage needs:

  • Conventional Financing
  • Refinancing Available
  • Home Equity Loans
  • Home Improvement Loans
  • Vacant Property Loans
  • Competitive Rates and Fees

Security First Credit Union has your best interest in mind;  therefore we feel it is important to determine if you and your family are ready to purchase a home.

 Important things to consider:

Do you have a steady source of income?

  • Have you been employed on a regular basis for the last 2 to 3 years?
  • Is your current income reliable? Do you have a good record of paying your bills?
  • Do you have few outstanding, long-term debts, like car payments?
  • Do you have money saved for a down payment and closing costs?
  • Do you have the ability to make a mortgage payment every month, plus monthly obligations?

If you answered “yes” to these questions, you are probably ready to buy your own home.

Contact our Mortgage Department at 956-661-4000, extension 1250, for an appointment today!

Mortgage Rates

Primary Home Mortgage Loans

Purchase or Refinance

10 Years3.65%-3.75%4.145%-4.246%
15 Years3.90%-4.00%4.244%-4.345%
20 Years4.15%-4.75%4.421%-5.027%

Home Equity Mortgage Loans

Minimum Loan: $25,000
Maximum Loan: $250,000

5 Years4.25%5.205
10 Years4.50%4.750%
15 Years4.75%5.103%
20 Years5.00%5.280%

Unimproved Single Family Property (Vacant Land)

Minimum Loan: $25,000
Maximum Loan: $250,000

5 Years6.25%7.223%
10 Years/56.50%7.022%
15 Years/56.75%7.124%

Informational Purposes Only

  • * Rate depends on loan amount, term, and credit score
  • ** APR = Annual Percentage Rate. It is the annual cost of a loan to a borrower – including financed fees.
  • Rates are subject to change without notice
  • 1% origination based on loan amount; Additional fees may apply.
  • Membership eligibility required.


956-661-4000 EXTENSION 1250