Home Loans

Your Mortgage Just Got More Affordable!

Your mortgage should offer more than a low rate; it should offer peace of mind. That's why we offer competitive mortgage rates, down payments as low as 5%*, and the added peace of mind with our exclusive Rate Escape offer, which gives you the opportunity to lower your mortgage rate within your first five years. Backed by a team of local lenders who understand our community, we're here to help you make confident decisions while saving more on your home loan.

Don’t miss your chance to take advantage of built-in savings, because your mortgage should work for you!

Hear from Local Homebuyers!

My husband and I lived in Nederland but recently relocated to Houston. We chose Education First FCU to finance our home and enjoyed working with the EFFCU Mortgage Team! We received a lower rate than many other institutions and were thankful to work with local lenders who are especially familiar with the home-buying process for the Southeast Texas market. Thank you, Education First, for helping us finance our dream home! - Amy Tallarita

*The following products are eligible for rate modification according to the following terms and conditions: a) loan is a fixed-rate mortgage loan product: 10,15, 20, or 30-year Deed of Trust originated with EFFCU on or after August 1, 2025; b) loans must have a minimum of twelve (12) consecutive on-time monthly payments leading up to the request; c) Request must made within the first five (5) years of the loan. Click here for all other terms and conditions. Education First Federal Credit Union is Federally Insured by NCUA and is an Equal Housing Lender. *Down Payment as low as 5% for Qualified applicants. Rates depend on individual creditworthiness and are subject to change without notice. Restrictions apply. See website for details.