$0 Down.
100% Home.

Apply Now
Get a Quote
Made For You Mortgage

Made For You Mortgage

A Mortgage Loan Designed For You.

At AMOCO, our Made For You Mortgage is designed for people in your industry! Let our experienced mortgage representatives help you make your move. Ask us how we can save you hundreds per year on your insurance through AMOCO Insurance coverage.

Made For You Mortgage Features:

  • 100% Financing Available
  • $0 Down Payment
  • No Private Mortgage Insurance (PMI)
  • Reduced Closing Costs

Made For You Mortgage Details:1

  • Loan Amount: Maximum $400,000
  • Credit Score: Applicants must have a credit score of 680 or higher
  • Debt-to-Income: 45% limit

Eligible Occupations:

  • Healthcare Professionals
  • Teachers or School Administrators
Must currently work in one of the industries above and have a minimum of two years of experience in that occupation. 

To learn more, apply or get a quote about our Made For You Mortgage:

Apply Now
Contact Us

1Made For You Mortgage is an industry specific product. Applicants must be a current teacher, school administrator, or healthcare professional with at least 2 years of experience. Maximum loan amount is $400,000. Must have a credit score of 680 or higher and debt-to-income limit of 45%. Offer subject to change or discontinue without notice. Rates determined by borrower’s credit qualifications. Subject to membership eligibility.  This credit union is federally insured by NCUA.

Not a teacher or healthcare worker? Please click here.

The Daily News Readers' Choice 2021 Winner



Voted Best Mortgage Lender

We know we're kind of a big deal, but don't take our word for it. The community has voted AMOCO as the Best Mortgage Lender for 9 years!

Multiple communication devices

Mortgage Representatives

Contact Our Experienced Team Today.

Let our experienced mortgage representatives assist you with your Mortgage Loan needs. Our mortgage team includes:

Loan Originators

Michael Hedrick

Michael Hedrick

NMLS #1430019

Read Bio

Michael Hedrick has more than 29 years of experience in the banking and credit union industry. Throughout his career, he has held a variety of leadership roles with a strong focus on delivering an exceptional customer experience. Michael understands that a key part of that experience is educating members about mortgage products and services, empowering them to make informed decisions that support their personal financial goals. His long-term commitment to the mortgage lending industry has resulted in lasting relationships and countless meaningful moments with members and communities he serves. Outside of work, Michael enjoys golfing, hunting, and fishing. Above all, his greatest joys come from his faith, his wife, his child, and his grandchildren.

James McWhirter - NMLS #653766

James McWhirter

NMLS #653766

Read Bio

James McWhirter has over 20 years of experience serving Texans in the retail banking and Houston-area credit union markets. He has held leadership roles overseeing multiple financial centers focused on improving the member experience. Additionally, over the last 12 years, James has served as a mortgage loan officer for local credit union members. His goal of educating others about mortgage products and services, while providing an unmatched personal experience, has established many long-term relationships with members and resulted in numerous success stories. Outside of AMOCO, James enjoys being outdoors, golfing, hunting, and fishing.

Jessica Flores - NMLS #2145127

Jessica Flores Garcia

NMLS #2145127

Read Bio


Jessica Flores Garcia is a Loan Originator who strives to exceed her members’ expectations and build lasting relationships by always going the extra mile to help them meet their financial needs. Jessica is fluent in English and Spanish. She has been in the financial industry for just over 15 years, including time spent as a consumer loan officer before transitioning into mortgage lending. Jessica takes the time to get to know her members, and she utilizes her experience to educate and prepare them for the mortgage product that is right for them. In her spare time, she loves spending time with her family, traveling when she can, and trying new places to eat.

Carrie Pontikas - NMLS #712150

Carrie Pontikas

NMLS #712150

Read Bio

Carrie Pontikas has worked at AMOCO for 28 years, with 25 of those years originating mortgage loans. She has the knowledge and experience to guide members through every step of the mortgage process and will help find the right loan terms to fit each member’s budget. Carrie is dedicated to ensuring a smooth and supportive experience from start to finish.

Gina Ryan - NMLS #2060421

Gina Hudgins

NMLS #2060421

Read Bio

Gina Ryan is committed to providing exceptional service and delivering a seamless mortgage experience for every member she serves. With a strong background in the financial industry, she combines deep product knowledge with a collaborative, service-focused approach to guide members through the loan process with confidence. Gina takes the time to understand each member’s goals, helping them explore options and select the mortgage solution that best fits their needs. She holds a Bachelor of Science in Economics from Texas A&M University. Outside the office, Gina enjoys traveling to new destinations, hiking near mountain landscapes, and attending sporting events.

Eryn Sherman - NMLS #1892201

Eryn Sherman

NMLS #1892201

Read Bio

Raised on Galveston Island and in Southern California, Eryn Sherman blends 15 years of credit union experience with nine years of mortgage lending at AMOCO. Eryn takes pride in guiding each borrower through the entire home financing process from beginning to end—clearly explaining every step to ensure the experience is smooth, stress-free, and fully understood. By treating each application as if it were for family, her priority is to provide personalized support while helping every borrower feel comfortable and confident in their financial future.

Outside of work, Eryn enjoys spending time outdoors, traveling, and relaxing at the beach or dog park with her newlywed husband and two huskies.

Loan Originator Assistants

Jennifer Vo

NMLS #2300030

Loan Servicing

For questions regarding your current mortgage loan, email us at mortgageloanservicing@amocofcu.org or call us at 409.941.8659.

AMOCO Federal Credit Union NMLS ID: 408167

Contact Our Mortgage Team

Enter your name and contact information below, to get assistance from our Mortgage team.  

This field is for validation purposes and should be left unchanged.
Name(Required)
Email (*)
Phone (*)
What is the best way to contact you?(Required)
What is the best time of day to contact you?
Please do NOT include any sensitive information in the comment box, (i.e. acct number, SSN, etc. )