First Mortgages - Whether you are a first time home buyer or a seasoned owner looking for a new place for you and your family, a First Mortgage Loan from HTFFFCU offers some great benefits that may be just what you need to get in the home of your dreams. We offer both 15 and 30 year mortgages and with no junk fees. Who could ask for a better deal?

• No Origination Fees
• No Processing Fees
• No Underwriting Fees
• No Administrative Fees

Benefits of Home Ownership

• Stability-It's rewarding to have a place to settle down in and call your own.

• Tax deduction-You usually can deduct mortgage interest on your tax return (Consult a Tax Advisor).

• Appreciation-Over time, the value of a home generally increases. Increase in net worth-Mortgage payments help you build equity.

• Borrowing power-Equity built up over time may help you qualify for future loans.

Click here to get your Mortgage Loan Application.

Home Equity - The equity in your home is one of your most valuable assets and we want to help you get the most from your investment. You have worked long and hard to pay for your home and it may be time to have your home work for you with a Home Equity Loan from Houston Texas Fire Federal Credit Union. You can use the cash from a Home Equity Loan to do just about anything!

• Educational Expenses
• Debt Consolidation
• Payoff Existing Mortgage
• Home Improvements
• Your Dream Vacation
• Medical Bills
• Business Startup
• And much, much more!

Not only are the possibilities endless with a Home Equity Loan but you don't have to worry about "Junk" Fees! That means:

• No Origination Fees
• No Processing Fees
• No Underwriting Fees
• No Administrative Fees

Also, consult a tax advisor to see if your interest is tax deductible!

Contact the Real Estate Department for additional loan details. Click here to get your Home Equity Loan Application.

Home Equity Line of Credit (HELOC) - A Home Equity Line of Credit from HTFFFCU offers you the same great benefits of a Home Equity Loan with easier access to the equity in your home any time you may need the extra cash.

You can use the cash from a Home Equity Line of Credit to do any number of things:

• Educational Expenses
• Debt Consolidation
• Payoff Existing Mortgage
• Home Improvements
• Your Dream Vacation
• Medical Bills
• Business Startup
• And much, much more!

And you still do not have to pay "Junk" Fees!

• No Origination Fees
• No Processing Fees
• No Underwriting Fees
• No Administrative Fees

Some restrictions apply. Contact the Real Estate Department for complete loan details.

Unimproved Property - An Unimproved Property Loan can help you get that land that you have always wanted. Whether you are looking to build your dream retirement home, investing in your new deer lease or looking for a place to graze your cattle this loan is perfect for you.

Contact the Real Estate Department for additional loan details. Click here to get your Unimproved Property Loan Application.

Home Improvement Loan - We all know that things can happen unexpectedly and when they do they can sometimes cost more than we are prepared for. If you ever find yourself with a leaky roof or are needing to make any huge repairs to your home but with out the finances to make it happen, remember that your credit union is here to help.

The Home Improvement Loan is not only here for the unexpected but if you are looking to ever add value to your home such as adding a pool or additions to your home, we can help with that as well! So jump on in!

Contact the Real Estate Department for additional loan details and restrictions.