$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 7 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

Lisa Bradford - NMLS #1205463

Lisa Bradford

NMLS #1205463

Read Bio

What started as a temporary position as a local savings and loan secretary turned into a career of almost 40 years in the financial industry. Lisa has experience as a branch manager, commercial lender, and business development officer. While she has experience in several areas, Lisa discovered her true passion in 2002 when she became a mortgage loan originator. The joy of helping her members achieve the dream of homeownership continues to be the most rewarding experience of her career. As a proud, life-long Galveston County native, Lisa treasures all things coastal, from the food to the beach and everything in between. Her commitment to the community she dearly loves includes serving as a former board member for United Way Galveston County Mainland and Keep America Beautiful. Outside of AMOCO, Lisa’s personal passion is animal advocacy. She has been actively involved in dog rescues for more than 20 years. Her favorite pastime is spending time with her cherished dogs, most of which are rescues.

Michael Hedrick

Michael Hedrick

NMLS #1430019

Read Bio

Michael has over 24 years of experience working in the banking and credit union market. Throughout his financial career, Michael has served in various leadership positions that have focused on the customer experience. He knows that part of that experience is to provide members with an understanding of mortgage products and services so they can make informed decisions that help them achieve their personal financial goals. His investment in the mortgage lending industry has created lasting relationships and countless memorable moments for his members. When he isn’t working, Michael spends his time golfing, hunting, or fishing. His greatest joys in life come from God, his wife, child, and grandchildren.

James McWhirter - NMLS #653766

James McWhirter

NMLS #653766

Read Bio

James has over 18 years of experience serving Texans in the retail banking and Houston area credit union market. He has held leadership roles overseeing multiple financial centers focused on improving the member experience. Additionally, over the last eight years, James has served as a mortgage loan officer for local credit union members. His goal to educate others about mortgage products and services while providing an unmatched personal experience has established many long-term relationships with members and numerous success stories. James enjoys being outdoors, golfing, and hunting outside of AMOCO, but his greatest joy comes from his wife and kids.

Jessica Flores - NMLS #2145127

Jessica Flores

NMLS #2145127

Read Bio


Jessica Flores 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 ten years, most of which she spent as a consumer loan officer before her transition 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 time permits, and trying new places to eat.

Carrie Pontikas - NMLS #712150

Carrie Pontikas

NMLS #712150

Read Bio

Carrie has worked at AMOCO for 24 years, with 21 of those years originating mortgage loans. She has the knowledge and experience to help members through the loan process and will find the right terms for your budget. Then, when you are ready to apply, click the link in her mortgage center, and she will help you navigate through the mortgage loan process with ease.

Gina Ryan - NMLS #2060421

Gina
Ryan

NMLS #2060421

Read Bio

Gina’s top priority is excellence in her service to her members. This includes applying her knowledge and comradeship to ensure the application experience is a positive one. She also takes the time to help her members explore their options and choose the right mortgage product for them. Gina graduated from Texas A&M University with a Bachelor of Science in Economics and has been in the financial industry for several years. Outside of the office, Gina enjoys time traveling to new places, hiking when mountains are near, and attending sporting events.

Eryn Sherman - NMLS #1892201

Eryn Sherman

NMLS #1892201

Read Bio

Raised on Galveston Island and in Southern California, Eryn loves the coast and being a part of the community. She has worked in local credit unions for over 13 years, starting with member services and consumer loans, then transitioning to a mortgage loan officer position. Eryn’s primary goal is to spend time listening to each member’s individual story so she can educate them on their best financial options for their future. Outside of AMOCO, Eryn takes pride in supporting skateboarding, surfing, art & music, and island-life communities. After work, you’ll likely find her at a local dog park or the beach with her fluffy Husky and friends.

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.  

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. )
This field is for validation purposes and should be left unchanged.