Your Dream Home Starts Here

Buy or Refinance a Home

Whether you are buying a first home or looking to upgrade, we’ve got you covered. Use a Home Loan to purchase your dream home, refinance your current mortgage, or improve a property to fit your lifestyle.

Purchase/Refinance

• Ideal for homes that are built, under construction, or soon to be completed
• Fixed rates as low as 5.776% APR* and terms up to 30 years
• 95% financing available and no PMI needed

Purchase Plus Improvements

• Funds can be used for both a home purchase and repairs
• 95% financing available and no PMI needed

Have a question about how to get started? Contact a Loan Officer

Use Your Home’s Equity

Unlock the value in your home to finance major expenses, consolidate debt, or reach personal goals.

Home Equity Loan

• Receive funds upfront for renovations, repairs, or debt consolidation
• Fixed rates as low as 6.583% APR* and terms up to 20 years
• 80% financing available and no PMI needed
• Amount is determined by the value of your home or property
• Loans starting at $15,000

Home Equity Line of Credit (HELOC)

• This loan offers the flexibility to use the funds however you’d like over a period of time
• Fixed rates as low as 8.087% APR* and terms up to 20 years
• No PMI needed

Home Improvement Loan

• Make repairs or renovate your home, however you like
• Fixed rates as low as 6.614% APR* and terms up to 20 years
• Up to 90% financing available
• Loans starting at $15,000

Build or Invest in Property

We make it easy to finance land, new construction, or a second home. From breaking ground to building memories, we’re here to help you create the space you’ve always imagined.

Vacation / Second Home

• Ideal to purchase a second residency or vacation home
• Fixed rates as low as 6.028% APR* and terms up to 30 years
• 80% financing available and no PMI needed

Land

• Finance the land you need to lay the foundation for your dream home
• 80% financing available and no PMI needed

Construction

• Get your project off the ground when you’re ready to build
• 90% financing available and no PMI needed

Learn More About Mortgages With BVSCU

• We also offer Townhome/Condominium, Manufactured Home w/land and Jumbo Loans. For more information, please contact us at realestatedept@bvscu.org or call 281-391-2149
• All BVSCU Members are Eligible to Receive “Preferred” Auto and Homeowners’ Insurance Rates with Liberty Mutual. Learn more here or call 1-888-380-9287 to get your free quote today
• Download our free mortgage e-book here

*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

Discover Your Loan Options

Vehicle Loans

Get behind the wheel with flexible, budget-friendly auto loans. Enjoy low rates and terms designed to keep your payments manageable.

Apply for a Vehicle Loan

Credit Cards

Choose from two great options—our Standard and Platinum Credit Cards! Click here to learn more about our low rates and great perks!

Apply for a Credit Card