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NOTICE: We are aware that members cannot make extra principal payments to their mortgage loans online at this time.

Please, contact a branch or mail the payment in instead. We are working on this issue and hope to have it corrected as soon as possible.

Thank you for understanding!


Our in-house servicing means you know who you're

talking to on the phone when you call us with a question! 


Questions about a Real Estate Loan?

Please call 281.644.3702 or email us at

View our current Real Estate rates: HERE

Click HERE to learn how to view your real estate documents online.


A purchase loan can be used to purchase a new home, whether you are buying a first home or looking to upgrade. This loan must be used for purchasing an already constructed, under construction, or soon to be under construction home. Refinance options for current mortgages for lower rates are offered as well.

  • Fixed Rates
  • NO PMI
  • 95% Financing Available
Home Equity

A home equity loan uses your property or home as collateral for the loan. The loan amount is determined by the value of your home or property. The loan amount is given up front. This type of loan can be used for repairs, renovation, or to consolidate debt. 

  • Fixed Rates
  • $15,000 minimum loan
  • 80% Financing Available
Home Improvement

Home improvement loans can be used to make repairs or renovate your home, however you like. Approval for the loan is determined by the individual’s credit. It is an unsecured loan, so it is not secured by the value of your home.

  • Fixed Rates
  • $15,000 Minimum Loan
  • 90% Financing Available
Vacation Home

This loan can be used to purchase a vacation or even a second home. The rate for the loan is determined by the individual’s credit. 

  • Fixed Rates
  • NO PMI
  • 80% Financing Available
Purchase Plus Improvements

A purchase plus improvement loan can be used to purchase a home, as well as make improvements on the home. This loan must be used for purchase on an already constructed home. Rates for this loan depend on the individual’s credit, and other underwriting factors.

  • Funds for both the home and the repairs are bundled into ONE PAYMENT.
  • NO PMI
  • 95% Financing Available
  • Start planning the home of your dreams! 
  • NO PMI
  • 80% Financing Available
  • Our construction loans can help get your project off the ground when you're ready to build.
  • NO PMI
  • 90% Financing Available
Home Equity Line of Credit

The home equity line of credit loan uses your home as collateral to secure the loan, as a line of credit. This loan has a low, fixed rate and can be used for larger expenses or to consolidate debt.  This loan offers the flexibility to use the funds over a period of time. 

  • Fixed Rates
  • NO PMI
  • Use to consolidate debt

Rate may vary depending on individual credit history and other underwriting factors. Payment does not include amounts for taxes and insurance

All loans subject to credit approval. You must be a member or eligible for membership to qualify. Rates, terms and conditions are subject to change without notice. The APR is based on various credit-worthy criteria. BVSCU is an Equal Housing Opportunity Lender. Brazos Valley Schools Credit Union makes such loans without regard to race, color, religion, national origin, sex, handicap or familial status.


Equal Housing Opportunity Disclosure

Mortgage Disclosure Act Notice


BVSCU makes loans without regard to race, color, religion, national origin, sex, handicap or familial status. Below are the names of our Real Estate Team and their NMLS License Holder Numbers. To contact any of them, just click on their name.

  • BVSCU NMLS#460556
  • Jannette Dominguez, Real Estate Supervisor - NMLS#2241837

  • Joanie Sealy, Real Estate Loan Officer – NMLS#908456

  • Stephanie Sauceda, Real Estate Loan Officer – NMLS#809745

  • Naomi Serrata, Real Estate Loan Officer – NMLS#2039949

  • Janna Ender, Real Estate Loan Processor - NMLS#2067600

  • Debra Motley, Real Estate Loan Processor - NMLS#272882