Real Estate Loans
AMOCO loves putting you into your dream home! We offer a wide variety of options that can get you financed, furnished and finally living in the house that you and your family want. In fact, we have been voted the Best Mortgage Lender since 2012. We know mortgages and can’t wait to give you the keys to your new home.
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Our Senior Vice President of Lending, Eddie Bonilla, is here to help you with the home buying process and find the perfect Mortgage Loan for your unique needs.
Purchase Mortgage
Home Sweet Loan.
If you are looking to buy a house, AMOCO’s mortgage loan options can help you make your move with our competitive rates and reduced closing cost options. Voted Best Mortgage Lender, you’ll feel right at home with our experienced team who walk with you through the entire home buying process, from start to close.
Financing options include:
- Conventional Purchase
- FHA
- VA
- Investment
- Second Home
- Options for Condos, Manufactured Homes, and Duplexes
- Reduced closing cost options
Made For You Mortgage
A Mortgage Loan Designed For You.
At AMOCO – One Credit Union. For Everyone. – our Made For You Mortgage is designed for you! Our experienced mortgage representatives are ready to help you make your move.
Made For You Mortgage Features:
- 100% financing available
- $0 down payment
- No Private Mortgage Insurance (PMI)
- Reduced closing costs options
Made For You Mortgage Details:
- Loan Amount: Maximum $300,000
- Credit Score: Applicants must have a credit score of 700 or higher
- Debt-to-Income: 43% limit
Applicants must have a minimum of 3 years work history in the same industry. Maximum loan amount is $300,000. Must have a credit score of 700 or higher and a debt-to-income limit of 43%. 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.
If you are a teacher or healthcare worker, please click here.
Refinance
Pay Off Your Home Sooner.
If you are looking to lower your monthly payment, shorten the term of your loan, or get a lower interest rate for your home, our expert Real Estate team can help. When you refinance your mortgage with AMOCO, you can pocket the savings to complete home improvement projects, pay off high-interest credit card debt, or save for emergencies.
Refinancing options include:
- Minimum refi amount of $100,000
- Conventional Purchase
- FHA
- VA
- Investment
- Second Home
- Options for Condos, Manufactured Homes, and Duplexes
Home Equity Loan
Endless Possibilities.
Using the equity in your home is a smart way to borrow. The interest you pay on your loan is often tax deductible (consult with your tax advisor for details). Use the funds from your home equity loan just like cash to pay for home improvements, wedding expenses, a vehicle, boat and more.
- 1st and 2nd lien home equity loans
- Minimum loan amount of $25,000
- Fixed rates and terms up to 30 years
- Easy to manage and pay online
Pool Loan
Why Vacation, When You Can Staycation!
Turn your house into a private luxury resort with our Pool Loans. With our low rates and affordability you can beat the Texas heat in your very own oasis, right in your backyard.
- Borrow up to 90% of the value of your home
- Fixed rates and terms up to 15 years
- Up to $75,000 max loan amount
- No origination fee
- Easy to manage and pay online
Unimproved Land Loan
Now This is an Improvement.
Unimproved Property Loans:
- Purchase and refinance options available
- Fixed rates and terms up to 15 years
- Easy to manage and pay online
Secondary/Vacation Home Loans:
- Purchase and refinance options available
- Terms up to 30 years
- Easy to manage and pay online
Mortgage Representatives
Contact Our Experienced Team Today.
Let our experienced mortgage representatives assist you with your real estate needs. Our real estate team includes:
-
Lisa Dygert – Loan Originator
NMLS #1205463 -
Michael Hedrick - Loan Originator
NMLS #1430019 -
Terri McVay – Loan Originator
NMLS #1024914
-
Carrie Pontikas – Loan Originator
NMLS #712150 -
Eryn Sherman – Loan Originator
NMLS #1892201
AMOCO Federal Credit Union NMLS ID: 408167
-
Gina Ryan – Loan Originator
NMLS #2060421 - Jessica Flores – Loan Origination Assistant
- Yolanda Perales – Loan Servicing
- Gisela Sanchez – Loan Servicing
Contact Our Real Estate Team
Enter your name and contact information below, to get assistance from our Real Estate team.