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Mortgage Rate Sale

Open the door to incredible savings with our Mortgage Rate Sale! Unlock a 0.50% APR* discount and receive up to $1,500 closing cost rebate1 when you lock in your rate before November 30.

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

Mortgage Rate Sale Perks
  • Enjoy 0.50% off your APR*
  • Up to $1,500 closing cost rebate1 when you use one of our Preferred Realtors
  • Discounts can be used on purchases and refinances

This special offer ends November 30, 2025!

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Offer valid only on new mortgage loans booked at AMOCO. *APR=Annual Percentage Rate. Mortgage loan rate locks submitted 09/10/25 – 11/30/25, will receive 0.50% off their APR. Mortgage loan rate locks are valid for up to 60 days. The actual rate may be higher based on the borrower’s credit score and the terms of the mortgage loan. Offer excludes government loans (FHA/VA) and manufactured homes. 1To qualify for AMOCO’s Home Loan Closing Cost Rebate, you must use one of our Preferred Realtors and book your mortgage through AMOCO. The rebate can only apply to closing costs at the time of closing. Total amount of credits not allowed to result in cash back to the borrower. The rebate amount is based on the amount of the mortgage loan and is paid from the Realtor commission and not by AMOCO. The rebate cannot be used for down payment, reserve requirements, or to meet borrower’s minimum required investment. AMOCO reserves the right to adjust or cancel this promotion at any time. Subject to membership eligibility. NMLS ID: 408167

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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

Michael Hedrick

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

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

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