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BUY A HOME

GET STARTED

Whether you’re a part of El Paso’s growing community of first-time homebuyers, buying your next home, or even purchasing an investment property, our friendly, professional staff is with you every step of the way from prequalification to closing.

PREQUALIFY TODAY

HOW IT WORKS

GET PREQUALIFIED (1)
GET PREQUALIFIED (1)
FIND A REALTOR
FIND A REALTOR
CHOOSE YOUR HOME
CHOOSE YOUR HOME
MAKE AN OFFER
MAKE AN OFFER
CLOSE
CLOSE

GET PREQUALIFIED (1)

Already saving for a new home? Getting prequalified puts you in the driver’s seat. Figure out how much you can afford and let local realtors know you’re ready to begin your home search. It’s easy — get started today!

FIND A REALTOR

There are about 1,500 licensed real estate agents in the El Paso area. Find a realtor who works for you! From Hudspeth County to Doña Ana County, they can help you find the home of your dreams in a neighborhood that you love.

CHOOSE YOUR HOME

Find where you’d like to buy a home — it could be anywhere from newly constructed communities in West Texas to established neighborhoods in New Mexico. Look for a home with the features that are most important to your family and your lifestyle, such as nearby schools, shopping centers, restaurants, parks and street accessibility.

MAKE AN OFFER

Work with your local realtor to get the home price and compare property values in the neighborhood to get a good idea of what to offer. Make sure to negotiate for things such as closing costs, landscaping, appliances and more.

CLOSE

It’s time! Shop around for a title agency, get a home appraisal and insurance. Then, go over your paperwork and get ready to turn the key on your new home.

HELPFUL RESOURCES

Ready To Buy A Home
WATCH

Getting Ready To Buy

Learn great tips like calculating how much home you can afford, about the prequalification process and understanding real estate professionals.

Understanding Your Credit
WATCH

How To Build And Improve Your Credit

Don’t just sit and wait for those scores to improve.  You have the power and the right to repair your credit.

Owning vs Renting
READ

Owning vs. Renting

Is it better to own or rent? There's no right answer for everyone, but you can answer some questions about your lifestyle to help make a decision.

Ready To Buy
WATCH

Getting Ready To Buy

Learn great tips like calculating how much home you can afford, about the prequalification process and understanding real estate professionals.

GEPAR
LEARN MORE

GEPAR

The Greater El Paso Association of REALTORS provides professional services for REALTORS to assist in their operations.

Counter Offer
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What Is A Counter Offer?

You've found a house that fits your life perfectly, and it's in a great neighborhood. The seller comes back with a counteroffer. What do you do?

Ready To Buy
WATCH

Ready To Buy A Home

Learn great tips like searching for a home, making an offer, finalizing your loans & understanding the closing process.

What to look for in a home
READ

What To Look For In A Home

We all have our idea of a dream home, but when you picture your dream home, WHERE do you picture it?

Preferred Builder
LEARN MORE

Preferred Builder

When it comes to selecting and financing your home, GECU’s Preferred Builders Program will help you find the right home. 

Home Inspection
READ

What To Know About Home Inspection

Home inspections are a very important part of the home buying experience. This lets both the buyer and seller know exactly what shape the house is in before you continue the process.

Mortgage Payments
READ

More Than Just A Mortgage Payment

Buying a home is one of the biggest purchases most people will ever make. When you purchase a home, there's more than just the monthly mortgage payment to consider.

What to look for in a home
READ MORE

What Do I Need To Take To Closing?

You're in the home stretch and closing day is coming up. This is the final step of the home buying process where you'll take possession of the keys to your new home.

Ready To Buy
WATCH

Ready To Buy A Home

Learn great tips like searching for a home, making an offer, finalizing your loans & understanding the closing process.

HOW MUCH CAN I AFFORD?

Use these calculators(2) to estimate rates and payments.

YOUR LENDING OPTIONS

Whether you are saving for your first home or buying an investment property, we have a variety of home loan options to fit your lifestyle.

WELCOME HOME EL PASO

Down Payment Assistance(3)

GECU is offering El Paso the opportunity of a lifetime! Welcome Home El Paso is a down payment assistance program that makes your dream of owning a home a reality. We’re offering up to 5% of the amount of your home loan in down payment assistance.

Why Choose GECU?

FAQs

(1)All loans subject to credit qualification and approval. The property must be located in the United States, within a 150-mile radius of El Paso County, to include Hudspeth County. Certain fees and conditions apply. Learn more about how you can join. Click here

(2) Information and interactive calculators are made available to you as self-help tools for your independent use and are used to quickly estimate the loan amount or monthly payment that fits your budget. This information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances.

(3)The assistance program is brought to you by the El Paso Housing Finance Corporation and is subject to qualification, income criteria and home purchase price. The residence must be located within the El Paso city limits. Other conditions apply.