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Real Estate Loans

NECHES, your home for home loans.


To better serve you, your application will go directly to a Loan Expert at your preferred Neches Branch. Please select which city your preferred Neches Branch is located in:

Beaumont    Bridge City    Lumberton 

 Nederland   Magnolia, Port Neches   Nall, Port Neches  

Mortgage Loans

Neches FCU offers several different options to finance the home of your dreams! Our in house Mortgage Program offers no PMI for mortgages with 10% down. Neches FCU Mortgage loans also offer low closing costs, competitive rates, up to 30 year terms, and great personal service.

Construction Loans

Are you building your dream home? A Neches FCU Interim Construction Loan supplies funds to your builder for payment of materials and labor for the construction of your new home. Our Interim Construction Loans offer no application fee, competitive rates, terms up to 12 months, and no payment required during construction.

Land Loans

When the home of your dreams is still a dream but the location is as clear as day, consider a Neches FCU Unimproved Property Loan for that perfect piece of land. Our Unimproved Property Loans offer fast processing, 10 to 15 year terms, financing up to 80% and low fixed rates.

Home Loan Team:

Amber Williams (409)749-6370
Nederland Branch & Bridge City Branch

Gerri Ratcliff (409)749-6333
Dowlen Branch & Pearl Branch, Beaumont

Layla Guillot (409)749-6382
Nall Branch, Port Neches & Lumberton Branch

Mary Ann Allen (409)749-6303
Magnolia Branch, Port Neches

Car Loans

A car loans with more than just great rates.

Home Equity

Put your home's equity to work for you.

Credit Cards

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Loan Rates

We have a solution to any of your loan needs.