MORTGAGE

Find the GECU Home Loan That Fits Your Needs

From first-time homebuying and experienced homeowners to renovating your home and consolidating debt, our home loan1 professionals are here to help every step of the way.

Home Loans
Closing Cost q3 Image

Save up to $3,500 on Closing Costs

April 5–22


Our home loan professionals can help you save up to $3,500 on closing costs* for a new home or resale. Plus, you can lock in your rate for up to 90 days and even qualify for additional home-purchase assistance programs.** Get prequalified today and start looking for the home that works for you! But hurry — this sale ends April 22!

Compare LOANS

GECU Home Loans

Home Mortgage Loans

We are here to guide you through the entire homebuying process.
We are here to guide you through the entire homebuying process.
Best for: Members at any stage of the homeownership journey.

  • Little to no down payment
  • Competitive home loan rates and easy terms
  • Home-purchase assistance programs2
  • Preferred builders program
  • Financial education

Home Equity Loans

Pay for large projects or purchases using equity from your home.
Pay for large projects or purchases using equity from your home.
Best for: Members looking to make home renovations, consolidate debt, pay for college expenses and more.

  • Competitive home loan rates
  • Easy terms
  • One monthly payment

Refinance your Home Loan

Save money when you refinance your current home loan with GECU.
Save money when you refinance your current home loan with GECU.

Best for: Members who want to get closer to financial independence.

 

  • Competitive home loan rates
  • Lower mortgage payments
  • Terms that work for you
  • Save money and get cash
We’re Here to Answer Your Home Loan Questions
  • How can I apply for a home loan? 
    Apply for a home loan online; by calling us at 1.800.772.4328 or by visiting any GECU location.
  • What documents do I need to provide to apply for a home loan?

    For your home loan application, we will review your two-year employment and housing history, along with a review of your assets. As every situation is unique, required documentation may vary. Below is a list of documents that you may need throughout the process.

    • Two most-recent W-2s
    • Two most-recent Federal Tax Returns
    • Pay stubs for the last 30 days
    • Two current, valid forms of identification (e.g., driver’s license, state-issued ID, Social Security card)
    • Most-recent bank statements for the last two months
    • Proof of any other income (Social Security, retirement, etc.)
  • Are there any fees associated with refinancing my home loan?
    A mortgage refinance generally requires the typical closing costs associated with a real estate transaction. These costs may include title insurance, lender fees, attorney fees, appraisal, taxes and more, and may generally be financed into the loan.
  • How do I know if a home mortgage refinance makes sense? 
    Refinancing can allow you to switch loan terms depending on your needs. You may change to a longer term if you are having trouble making your monthly mortgage payments or are unsatisfied with your current payment amount, or you may change to a shorter term for a potentially lower rate and save money in interest. Whatever your needs are, our GECU home loan professionals will guide you every step of the way. Use our home loan refinance calculator to see how much you could save.
  • I have a 30-year home loan. Am I able to refinance it to a 15-year home loan?
    Yes, you may be able to refinance your mortgage loan into a shorter term. Talk to one of our GECU home loan professionals to see if this would be a good option for you. A lower term may reduce the total amount of interest that you will pay over the life of the loan. 
  • How do I get prequalified for a GECU Home Loan?
  • What is the current home loan interest rate?
    Contact us to see what today’s interest rates are by calling us at 1.800.772.4328.
  • How much house can I afford?
    Visit our home-affordability calculator to get an idea of how much house you can afford.
  • How do I access my credit score?

    You can access your credit score using SavvyMoney3 in GECU Online Banking or the GECU Mobile App!4 Enroll now and see how SavvyMoney can help you!

    • Access your credit score and report
    • Set up credit-monitoring alerts
    • Get tips to improve your credit
    • Learn how to manage your credit and finances
    • Browse through financial education resources

    HOW TO ENROLL IN SAVVYMONEY

    1. Log in to GECU Online Banking or the mobile app.
    2. Find the credit score widget in online banking and click “Show my score” or tap the “More” button in the mobile app and tap “Credit Score.”
    3. Opt in and agree to the terms and conditions.
    4. Start monitoring your credit score!
  • How can I view my full credit report?

    You can view your full credit report using SavvyMoney in GECU Online Banking or the GECU Mobile App! Enroll now and see how SavvyMoney can help you!

    • Access your credit score and report
    • Set up credit-monitoring alerts
    • Get tips to improve your credit
    • Learn how to manage your credit and finances
    • Browse through financial education resources

    HOW TO ENROLL IN SAVVYMONEY

    1. Log in to GECU Online Banking or the mobile app.
    2. Find the credit score widget in online banking and click “Show my score” or tap the “More” button in the mobile app and tap “Credit Score.”
    3. Opt in and agree to the terms and conditions.
    4. Start monitoring your credit score!
  • Why is my credit score important?
    Your credit score is based on the information in your credit report. Lenders may use this to determine how likely you are to repay a loan. To view your credit score, enroll with SavvyMoney now.
Membership eligibility is required.
1All loans are subject to credit qualification and approval. The property must be located in Texas or New Mexico. Certain fees and conditions apply.
2Assistance programs are made available through third-party entities, and are subject to qualification, income criteria, home-purchase price, and property location. Other conditions apply.
3This service is being offered by GECU in collaboration with SavvyMoney, Inc. The provided credit score and credit report are not used for determining credit qualification or approval on any GECU loans that you apply for.
4Standard text-messaging and data rates may apply through the wireless carrier.
*All loans are subject to credit qualification and approval. The property must be located in Texas or New Mexico. Certain fees and conditions apply. Offer applies to purchase or refinance of primary and investment properties only. The offer of up to $3,500 covers the following fees: origination, underwriting, processing and document-preparation fees. Applicants must apply by April 22, 2024, and must close on their loan within 12 months from the date of application on existing 1–4-family dwellings or on new construction of single-family homes.
**Assistance programs are made available through third-party entities, and are subject to qualification, income criteria, home-purchase price, and property location. Other conditions apply.
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