Welcome Home!

Welcome to our mortgage loan center for easy pre-qualification, custom rate, and expert advice to guide you through the home loan process.

Choosing your credit union is the first step toward an affordable home loan. Whether you are purchasing a home or refinancing your current loan, applying online is as easy as 1-2-3.

  1. Apply Now and complete the application.

  2. When you have completed the application, click submit and your information will be reviewed for  prequalification.

  3. A Loan Officer will follow up with you and answer all your questions.

Our goal is to provide the highest level of service and competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 800-607-3474.

Available Loan Types


We offer dozens of different loan types* to fit your unique needs including Conventional, FHA, VA, USDA, Jumbo, Low Down Payment, First Time Buyer and Cash-out Refinance, as well as Fixed and Adjustable terms to 30 years.

*Additional restrictions may apply

Ready to Get Started?

 

Apply Now

 

Our History

A little lady with a big dream began a legacy that has lasted for more than 60 years. With the support of Harris County officials and others, Thelma Joyce Alsup—a hard-working employee in the sheriff’s department—established Harris County Federal Credit Union in 1951 with the commitment of providing affordable loans with reasonable interest rates for all county employees.

Today, HCFCU serves nearly 18,000 members throughout Harris County with a full spectrum of financial solutions including checking accounts, savings accounts, investments and competitive lending solutions. It only takes $5 to open an account and once you’re a member, you are a member for life!

Ready to Get Started?

 

Apply Now

 
 

Calculators

Being experts in this industry, we hear a lot of different questions regarding payments, affordability and more. Below you will find a list of some of the best calculators to help you estimate the cost of your homebuying process and ensure you are applying with confidence.

Calculators made available for independent use only. We cannot guarantee their accuracy or their ability to apply to your current financial situation. We recommend you seek advice from qualified professionals regarding your finances.

 

Contact Us

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, contact us today.

Ready to Get Started?

 

Apply Now

 

Harris County Federal Credit Union (NMLS 458547) provides mortgage loans in agreement with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS 401285.   |   Privacy Policy