Mortgage, Construction, and Land Loans
Smart loans for big plans
Loans for Your Dream Home and Beyond
Turn your dreams into reality with our loan options.
We Fund Life’s Big Moves
Whether you are buying or building, we’re here to help.
Mortgage Loans
Neches FCU offers home loans with low costs, no PMI with 10% down, competitive rates, and terms up to 30 years—plus personal service to finance your dream home with ease.
Home Construction Loans
Building your dream home? Neches FCU Interim Construction Loans offer no application fee, competitive rates, terms up to 12 months, and financing up to 90%.
Land Loans
Found the perfect land for your dream home? Neches FCU Unimproved Property Loans offer fast processing, low fixed rates, 10-15 year terms, and up to 80% financing.
Rates
|
Term |
APR as low as |
|---|---|
|
APR= Annual Percentage Rate |
|
|
Term 15 Year |
APR as low as 5.50% |
|
Term 20 Year |
APR as low as 5.75% |
|
Term 30 Year |
APR as low as 5.75% |
|
Term |
APR as low as |
|---|---|
|
APR= Annual Percentage Rate |
|
|
Term up to 12 months |
APR as low as 5.75% |
Estimate your monthly mortgage loan payment
Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ.
Home Buying Tips
Practical advice to make home buying easier.
Think Long Term
Buying a home is a long-term commitment. If you can’t stay in one place for several years, it may not be the right time, as transaction costs could lead to a loss.
Get Your Credit in Line
Before house hunting, check your credit report to ensure accuracy and fix any issues that you discover, as you will likely need a mortgage in order to own a home of your own.
Budget Properly
Buy within your means — aim for a home worth 2.5 times your annual salary and keep payments under 25% of your take-home pay. Reach out to us for help with determining your budget.
Get Pre-Approved
Get pre-approved to stay within budget and strengthen your offer when you find the right home. Reach out to the Neches Home Loan Team for more information and assistance.
Download The Home Loan Toolkit
This guide walks you through every step of the mortgage process, with tools to budget, questions for lenders, and helpful checklists.
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
Start Your Journey Home with Us Today
Download our free Home Loan Toolkit or reach out to us today for more information and assistance.