The Rate Escape

Your Mortgage Just Got More Affordable!

Escape the fear of high rates with our new mortgage offer! You’ll have the opportunity to Lower your home loan rate within the first 5 years of booking your home loan for no extra fee! This gives you a chance to save big down the road. And when it comes to questions or guidance, you’re never alone. Our full in-house team of local Mortgage experts is here to support you every step of the way.

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 Danielle and Simona! 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.