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Mortgage Loans in Texas

Whether upsizing, downsizing, or refinancing, you want the best rate possible with service you’ll love.

Mortgage Loan Features

We’re committed to offering lending options with low rates, flexible terms, and competitive closing costs for every loan type to help you finance your dream home in Texas — or wherever life takes you.

We offer a variety of mortgage loans, including

Conventional Mortgage Loans: The most common mortgage type, with fixed rates and terms up to 30 years.

VA Loans: U.S. military veterans or active duty service members are eligible for highly competitive loan rates backed by the Department of Veterans Affairs.

USDA Loans: Backed by the U.S. Department of Agriculture, these loans offer attractive options for rural area purchases, such as no money down, varying terms, and competitive rates.

Other benefits include:

Access to experienced Mortgage Loan Officers

15- and 30-year terms

Refinancing options

Army service man playing with toy cars with his son

Mortgage Loan Benefits

Competitive Rates

Whether you’re a first time homebuyer or looking for a change, our low rates make buying a new home more affordable.

No Application Fee

At Soarion it never hurts to ask! We charge no application fee so you can keep your loan costs lower.

Quick Application Turnaround

Your time is valuable. Our quick loan application turnaround time helps keep your home purchase process on track.

Free Rate Lock

We’ll lock in our low mortgage rates for no extra fee so you can take the time you need to close your deal.

Explore Mortgage Rates & Resources

For Today's Mortgage Rates, visit our Home Mortgage Site. Explore other resources such as our mortgage calculators, application checklist, and more.

Loans subject to credit approval. Rates and terms subject to change without notice. Equal Housing Lender. NMLS # 402152

Soarion Mortgage Loan FAQs

Yes, Soarion Credit Union offers home refinancing loan options with the same great rates, generous loan terms, and low costs as our highly competitive homebuyers’ loans.

Your monthly payment amount typically includes a payment towards your loan principal, an interest charge, taxes, and, in many cases, private mortgage insurance or other insurance to secure your loan.

Closing costs are the fees and expenses you pay when finalizing a real estate loan. They typically range from 2% to 5% of the purchase price. Common closing costs include loan origination fees, appraisal and inspection fees, title search and title insurance, attorney or escrow fees, and prepaid taxes and insurance.

PMI is often required on conventional loans and jumbo loans if your down payment is less than 20%. It protects the lender if you default and is added to your monthly mortgage payment. VA and USDA loans may be exempt.

The rate you pay on your mortgage is affected by several factors:

Your credit score. A higher score usually means a lower rate.
Your loan limit and down payment. Loans with bigger down payments get better rates.
Your loan type and term — fixed vs. adjustable, 15-year or 30-year, etc.
Your debt-to-income ratio. Lower ratios suggest better financial health, making you a better risk as a borrower.
Prevailing conditions in the local and national property markets.

You May Also Be Interested In…

Auto Loans

Get pre-approved for a Soarion Auto Loan online in just a few minutes to know how much you can afford before you shop for a car, truck, or SUV.

Signature Loans

Soarion Credit Union’s Signature Loan offers unsecured borrowing for up to 60 months with a fixed interest rate for major purchases or unexpected costs.

High-Yield Savings Account

Increase your earnings to beat inflation while keeping your money accessible with our High-Yield Savings account.

Not a Soarion Credit Union Member? Join Today!

For over 70 years, Soarion Credit Union has served communities with financial products, services, and education. Learn more about what Soarion Credit Union can do for you. Get your financial journey with us started by opening a Primary Savings, your share in the credit union!

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