Home Loans

Great Rates. Local Decisions. Local Service.

With competitive mortgage rates, low fees, and the best service in town, we're prepared to help you live your best life in a home that you love. If you're not sure what kind of loan is right for you, view our home loan solutions below as a guide to get you started. We're here to help you every step of the way.

Mortgage Loans

Whether you are looking to buy a new home or refinance your current home, our Mortgage Loans are a great solution with competitive rates and local service.

Home Equity

Whether you are looking to build an outdoor kitchen, home addition, or swimming pool, our Home Equity Loan can be used to fund any purpose.

Home Improvement

Use our Home Improvement loan to complete your home projects and increase equity.

Home VA Loan

Our VA Loans make it easy for veterans and their families to find their dream home.

Jumbo Loan

Our Jumbo Loans allow you to buy, build, and live bigger.

Barndominium

Make your one-of-a-kind dream home a reality with our Barndominium Loans.

Construction to Perm

Need assistance in building your new home? Our Construction-to-Perm loan makes sure your homebuilding journey is a good one.

for sale by owner sign on a large lot of land

Land Loans

Your future starts here. Our Land Loans are the first step to help you create a place that you can call your forever home.

Now introducing rate protector and rate swap

Rate Protector Details:

Lock your rate for 90 days while shopping for a home.

Re-lock the rate if rates decrease prior to closing.

No property required for applicant to lock a rate.

Available on home purchases and construction-to-perm loans.

Rate Swap Details:

Decrease your mortgage rate within the first 36 months!

One-time rate decrease if rates go down after closing.

Get the lowest qualifying rate at time of request.

No refinance fees.

Rate Protector and Rate Swap features are only eligible on new mortgage loans or refinances beginning January 3rd, 2023.

Ready to get started?

Visit with one of our mortgage specialists to discuss the right home loan to meet your needs and budget. Simply give us a call, live video chat through our MobiloilX App, apply online, or fill out our contact form and we will reach out to you directly. Our local mortgage team is ready to fund your next home loan.

409-924-5213

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All loans serviced through Mobiloil Credit Union. Rates are determined by credit rating and term. Applicants are qualified in accordance with Federal, State and NCUA laws as well as the provisions of the Fair Credit Reporting Act.

Purchasing Your Own Home

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Home Equity Basics

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Understanding Private Mortgage Insurance (PMI)

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5.9% APR on all balance transfers for the life of the balance!