Home loans with local guidance.
Buying your first home, moving up, or refinancing? CSCU and our partner FocusOne offer home loan options and expert guidance every step of the way.
Whatever your next step is.
Talk with the local CSCU team or our FocusOne partners about the loan that fits.
Buying your first home
Learn the steps, find your range, and get help with each one.
Buying again
Moving up, moving closer, or moving on? We can help you choose a home loan.
Refinancing or home equity
Explore a refinancing program or a home equity loan with our team.
Your path home.
Five steps from “thinking about it” to the keys. We help with each one.
Get ready.
Look at your budget, your savings, and what you want in a home. Our homebuyer checklist is a good place to begin.
Get pre-approved.
A lender reviews your finances so you know what you may be able to borrow before you shop.
Find your home.
Shop with a clear budget, and ask us questions along the way.
Apply.
Apply online or text us at (936) 295-3980 for help.
Close and move in.
Your loan team walks you through the final steps.
What is in a mortgage payment?
Many monthly payments have four parts. Your loan team can show you which ones apply to you.
PrincipalThe amount you borrowed, paid back over time.
InterestThe cost of borrowing the money.
TaxesProperty taxes on your home.
InsuranceHomeowners insurance to protect your home.
Illustration only. The size of each part varies by loan. Try the calculator below with your own numbers.
Estimate your monthly payment.
Move the sliders to see what a home could cost each month. These are sample numbers, so change them to yours.
Estimate only. Sample numbers that are not CSCU rates or a loan offer. Principal and interest shown are for the first month. Does not include mortgage insurance, HOA dues, or fees. Your actual payment depends on your loan.
Learn before you leap.
Free tools to help you plan, whenever you are ready.
More tools: more calculators from FocusOne · more GreenPath courses
Questions? Just ask.
Text us any time. We reply during business hours.
Text us.
(936) 295-3980. Standard message and data rates may apply.
Or schedule a time.
Pick a reservation or phone call with the local team.
Or contact FocusOne.
Our partners can answer home loan questions too.
Frequently asked questions
Who provides CSCU home loans?
CSCU has partnered with FocusOne to offer home loan options and expert guidance every step of the way. You can work with the local CSCU team or with FocusOne.
How do I apply?
Select Apply Now to start your application online. You can also text us at (936) 295-3980 or schedule a time to talk first.
Do you help with refinancing or home equity loans?
Yes. Whether you are buying your first home, moving, or refinancing, the CSCU team and our FocusOne partners can help you choose a home loan, a refinancing program, or a home equity loan.
What is pre-approval, and why does it matter?
Pre-approval is a lender’s early review of your finances that shows what you may be able to borrow. It helps you shop with a realistic budget. It is not a final loan approval.
What does a mortgage payment include?
Many monthly payments cover four parts: principal, interest, property taxes, and homeowners insurance. Your loan team can show you which parts are included in your payment.
Can I text you a question?
Yes. Text us at (936) 295-3980 any time. Our team replies during business hours and can help with scheduling or applications. Standard message and data rates may apply.
Where can I learn more before I talk to anyone?
Start with the homebuyer checklist and our payment calculator, or take GreenPath’s free Housing 101 course.
Do you offer land loans?
We do. See our land loans and property loans pages.
What if I need to fix or upgrade my home?
Our Home Care Loans can help finance a home generator or HVAC purchase.
Ready to take the next step?
Start your application, or text us and we will help.
We provide links to third party websites, independent from Community Service CU. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act. Federally insured by NCUA. Equal Housing Lender.