Mortgage Rate Sale

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Home Loans

Mortgage Rate Sale

Special Mortgage Rates!

Qualifying loans: Purchase Mortgage, Made For You Mortgage, Refinance, Home Equity, Pool Loan, and Land Loans.

Waiting on the right time to purchase a home? The time is now during our Mortgage Rate Sale and Buy Down Your Rate option! We are marking down our mortgage rates to best benefit your needs and get the keys to your home.

Don’t wait! Lock in your special mortgage rate! If you have any questions, please contact our mortgage team.

Mortgage Rate Sale

Rates

Are you looking to find an affordable home on your terms? Then, look no further than AMOCO for your Mortgage needs! Our Mortgage Rate Sale makes getting the keys to your home easier! When you choose AMOCO, we’ll take 0.25% off your APR1.

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Buy Down Rate Option

Stack of money

Want to have some control over your mortgage loan rate? With our Buy Down Your Rate option, you can pay down your mortgage loan rate and make your payments more manageable. Example: pay 1% upfront and get 0.25% off your APR1.

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1Subject to membership eligibility. Mortgage loans locked between September 1 – September 31, 2023, will receive 0.25% off their APR. APR = Annual percentage rate. Your Actual rate may be higher based on your credit score and the terms of your loan. Offer valid for primary residents only. Offer excludes government loans (FHA/VA) and manufactured homes.

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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!

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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

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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 - NMLS #1430019

Michael Hedrick

NMLS #1430019

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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

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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

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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

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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

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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

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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

Yolanda Perales

Becca Gonzalez

AMOCO Federal Credit Union NMLS ID: 408167

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