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The Best Mortgage Options in Texas

  • Refinance Options Available
  • Online application available.
  • Competitive fixed-rate terms.
  • No application or processing fee.
  • Your mortgage stays at ACU and isn't sold.
Apply for a Mortgage
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Welcome Home

Purchasing a new home or looking to refinance your existing mortgage? ACU can help so you can focus on what is important.

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Mortgage Features at America's Credit Union

We like to keep our mortgages and mortgage refinance options simple and affordable for our member-owners.

At America's Credit Union our mortgage lenders work hard to get you the best mortgage rates and terms while simplifying the home loan process. The first step in any home buying journey is to get pre-approved so you know how much home you can afford comfortably.

ACU Mortgage Features


  • No application fee or processing fee.
  • No pre-payment penalties.
  • No Private Mortgage Insurance (PMI) requirements.
  • Not sold. Your Mortgage stays at ACU!
  • No points to buy.
  • Minimal closing costs.
  • No adjustable rates.
  • All fixed-rate terms.


Use one of our free, simple online mortgage calculators to estimate how much home you can afford and how high of a mortgage you might qualify for.

Apply for a Mortgage
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kids jumping on their new bed

Mortgage Refinancing at America's Credit Union

Simplify your mortgage refinancing options with ACU.

Let the mortgage lenders at America's Credit Union help you navigate your refinancing process. 

If you have a Mortgage at another financial institution or with an online lender, now is a great time to refinance your Mortgage with ACU. We have fewer fees than many mortgage lenders and the fees we do collect are often much less than you'll find with other mortgage programs.

Simply apply online now and we'll reach out to discuss which rate and term will work best for you.

If you have equity in your home, you may be able to benefit from a new Mortgage and a new Home Equity Loan.

Homeowner greeting their guest at the front door.
Homeowner greeting their guest at the front door.

Mortgage Rates and Terms

Mortgage rates change daily and vary based on the length of the term. To find out which terms offer rates that are best for you, call our Mortgage Department at 972-494-5328.

Our Fixed-Rate Mortgages are offered in 5, 10, 15, 20, and 30-year terms. 

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FREE Home Equity Guide

Buying or Refinancing with Equity?

If you're buying a new home and will have equity at the time you get your Mortgage, or if you're refinancing your Mortgage from another lender to ACU and have equity in your home, you might be interested in a Home Equity Loan.

Check out our free eBook All You Need to Know About Home Equity Loans for tons of valuable information about utilizing the equity in your home. 

Table of Contents:

  • How to Calculate Home Equity
  • Benefits of Using the Equity in Your Home
  • Can You Use Your Home Equity Loan for Anything?
  • Securing a Good Home Equity Loan Rate
  • 4 Pitfalls to Avoid When You Apply For a Home Equity Loan
  • Potential Tax Benefits of a Home Equity Loan
  • Home Equity Loans with America's Credit Union
Claim Your FREE Copy!

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Quick Tips To Increase the Value of Your Home

Get more from your investment!

When it comes to increasing the value of your home, you should not spend home improvement dollars willy-nilly; some upgrades and renovations are considered more valuable than others.

Rather than putting your hard-earned cash down the garbage disposal in unnecessary expenses, consider the following checklist of home improvement items that are worth every penny.

America’s Credit Union is registered in the Nationwide Mortgage Licensing System and Registry (NMLS).

America’s Credit Union NMLS ID #: 562279

The following Loan Officers are also registered:


Lisa Hearn NMLS # 649599

Deborah Joyce Barnett NMLS # 283002

Sandra J. White NMLS # 609176

You may log onto www.nmlsconsumeraccess.org to confirm that the lender and the mortgage professional with whom you wish to conduct business with is registered.