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Home Ownership Begins Here

​Education First Federal Credit Union offers a variety of mortgage solutions tailored to meet your home financing needs in Southeast Texas. Our dedicated Mortgage Team is committed to guiding you through every step of the home-buying process, ensuring a smooth and informed experience

Black family moving in with boxes to their new home

Your mortgage, your move.

Homeownership is a big step, but it doesn’t have to be a stressful one. We’re here to make the process easier and more flexible from day one. 

Our new Rate Escape offer can help ease that stress! You're now able to drop your rate one-time within the first 5 years of booking a Home Loan with us!

  • No fee to drop your rate
  • Help from in-house local mortgage experts
  • Lower your home loan rate within the first 5 years

We're ready to help you every step of the way!

Apply Now
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Mortgage Loan Rates

Terms Rate APR*
10 Year Fixed Rate 5.500% 5.803%
15 Year Fixed Rate 5.750% 5.984%
20 Year Fixed Rate 5.990% 6.208%
30 Year Fixed Rate 5.990% 6.267%

Example of Mortgage with The Rate Escape Offer

Based on this calculation, you could save $150.80 in interest in just 6 months! (1390 x 582 px) (2)

Based on this calculation, you could save $42,727.76 in interest over the life of your mortgage!

* APR = Annual Percentage Rate. Calculations vary based on term, loan amount, interest rate, and other factors. Savings may vary and are not guaranteed. Please contact a Mortgage representative for more information.

 

Begin Your Home Buying Journey

*APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice. *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.