Energy Capital Credit Union

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Home Loans

Buying a home can be a scary, confusing and overwhelming experience. We've made the process easy with our Home Buying Assistance Service through Member Home Loan.

If you already have your mortgage loan with Energy Capital Credit Union, you can view it online here!

Loan Officer Assistance:

Fixed Rate Loans

  • Fixed interest rate and payment through the life of the loan
  • Primary and Secondary Homes
  • No prepayment penalty
  • Easy application process

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Want to know what to expect each month? Fixed rate is the way to go.

This type of mortgage loan is easy and straightforward because it maintains the original interest rate throughout the entire life of the loan. You won’t have to contend with market fluctuations and can rest easy in the fact that your rate stays the same. A fixed rate mortgage is the best option if you’re looking to stay put for a long period of time.

We offer fixed-rate home loans with various loan terms. Choose a shorter term to pay less interest or a longer-term to reach a lower monthly payment.


Adjustable Rate Loans

  • Easy application process
  • No prepayment penalty

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Because one type of loan does not fit all.

Our Adjustable Rate Mortgage (ARM) products provide an initial fixed rate, and depending on the ARM type, your rate will increase over the life of the loan.  Initially, the interest rate is set lower than the rates you would get with a standard fixed rate loan. This type of loan is the best option if you are looking to stay in your home for a short period of time.



  • Self-Employed, Expatriates, and Doctor Loans available
  • Jumbo Loans: $417,000 or greater
  • Easy application process
  • No prepayment penalty

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Does your loan profile not conform to standard guidelines? We can help.

You may have a non-conforming loan if you are self-employed, if you are an expatriate, if you’re looking the buy land to develop, or if your loan amount will exceed $417,000. For more details on our non-conforming products, call to speak with a loan officer.



  • Easy application process
  • No prepayment penalty
  • Link : FHA/VA Resources

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Love low closing costs and low down payments? This loan is for you.

Federal Housing Administration (FHA) loans offer low down payments and low closing costs while Veterans Affairs (VA) loans offer financing for service members with no-down-payment options. FHA loans typically require upfront mortgage insurance payments while VA loans do not require mortgage insurance at all. FHA/VA loans only offer a fixed-rate mortgage.


Cash Out Equity

  • Primary, Second and Investment Homes
  • Call to speak with a Loan Officer for more information on a Texas Cash Out
  • Easy application process
  • No prepayment penalty

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Need some extra funds? Your home can help.

A Texas cash out has a minimum loan amount of 75,000 and is not to be confused with a home equity line of credit. A cash out allows you to receive your funds in a lump sum to use towards home improvements, consolidate debt, etc. Loan-to-value ratios will change based on the occupancy type (Primary, Second and Investment homes). Cash out loans only offer a fixed-rate mortgage.


Second Homes

  • Easy application process
  • No prepayment penalty

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Need a little home away from home? A second home will do the trick!

For a property to qualify as a second home is must be located a reasonable distance from your current primary home, you must occupy the property for some portion of the year, and the property must not be used for rental income during the time it is not occupied. Second home loans only offer a fixed-rate mortgage.


Investment Property

  • Easy application process
  • No prepayment penalty

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Want to earn a little off your property? We can make it work harder for you.

Investment property loans tend to have higher interest rates and require larger down payments, such as a minimum of 20% down. One benefit to owning investment property is the potential rental income opportunity. Investment property loans are offered in ARM and fixed-rate mortgages.