Home Loans
Financing Member’s Future, One Home at a Time
Build, buy, or refinance with the confidence that Neches FCU Home Loans provide.
Mortgage, Construction, and Land Loans
Flexible loans for buying, building, or land purchases.
Mortgage Refinance
Lower your mortgage rate or payments with ease.
Home Equity Loans
Unlock home equity for what matters most.
Introducing The Home Loan Team
You’ve got questions. We have the answers. Reach out to a Neches Home Loan Team member today.
Mary Ann Allen
Phone: (409) 749-6303
Email: maallen@nechesfcu.org
Layla Guillot
Phone: (409) 749-6382
Email: lguillot@nechesfcu.org
Natasha Hazlip
Phone: (409) 749-6337
Email: nmhazlip@nechesfcu.org
Christi Klingman
Phone: (409) 749-6369
Email: clklingman@nechesfcu.org
Jana Green
Phone: (409) 749-6333
E-mail: jdgreen@nechesfcu.org
FAQs
We do not have a minimum score, as we consider and weigh all risk factors and circumstances. However, your score will impact the interest rate you receive. In loan decisioning, credit history will always be a contributing factor.
Almost always no, but in the event a hard credit hit does impact your score, it will be temporary and minimal (typically 1-2 points).
Our minimum down payment is 10% for purchases of both primary and secondary homes, and 20% for vacant land. We do not require PMI on any of our mortgage products. Down payment is subject to increase at underwriter’s discretion if multiple risk factors are present. These risk factors include property type, high sale price/loan amount, and overall borrower qualifications.
No. We only offer conventional in-house financing (no FHA, VA, USDA), and we retain the servicing here locally.
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Start Your Journey Home with Us Today
Download our free Home Loan Toolkit or reach out to us today for more information and assistance.