At FirstLight, our Mortgage Loans offer competitive rates, flexible terms, and local guidance every step of the way.
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To get pre-qualified for a mortgage, you must first create an account.
Mortgage Loan Programs
Find the right mortgage loan for you
First-time home buyer programs with as little as 3% down
Learn helpful home tips below
Whether you're a first-time homebuyer, refinancing, or upgrading to your dream home, our experienced mortgage team is here to help you find the right fit for your budget and goals.
Why Choose FirstLight for Your Mortgage?
- Competitive rates and low closing costs
- Fixed and adjustable-rate options
- Quick, local decision-making and personalized service
- Pre-approval available for confident home shopping
Your home journey starts here. Apply today and let FirstLight guide you home.
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First-time Homebuyer 1
The home loan process may be overwhelming if you're a first-time homebuyer. FirstLight offers home loan assistance from start to finish with our trusted mortgage loan originators. We will help you find the perfect home to fit your budget.
- Down Payments starting at 3%
- Approved Lender for TSAHC (Downpayment Assistance for Texas Home Buyers).
80/20 Home Loans
Firstlight FCU now offers qualified borrowers a new mortgage loan called an 80/20. The 80/20 loan will allow up to 100% financing of the lower appraised value or the sales price by allowing the borrower to finance 80% of the mortgage as a first mortgage and the remaining 20% as a second mortgage. In addition, it saves the borrower monthly by eliminating the requirement for private mortgage insurance (PMI).
Get Pre-Qualified Request a Free Consultation
To get pre-approved for a mortgage, you must first create an account.
Home Loan Refinancing 2
Traditional Home Loans
Traditional home loans are loans that are not attained under a government program, and we have several fixed-rate options available.
- Flexible loan terms
- Up to $647,200 3 loan amount
Jumbo Home Loans
A jumbo loan may be called for when you need a loan amount higher than the traditional home loan limits. We will help you choose the ideal jumbo loan for your unique situation with multiple fixed-rate loan options available.
- Up to 80% of the appraised home value or sales price
- More than $647,200 3 loan amount
- Contact us for maximum loan limits.
Get Pre-Qualified Request a Free Consultation
To get pre-approved for a mortgage, you must first create an account.
VA Home Loans 4
Whether you need to finance a new home or refinance an existing home loan, we're here to help. FirstLight appreciates your business, and we are prepared to make your home loan experience rewarding.
We are dedicated to helping service men and women reach homeownership goals. The VA home loan program makes owning a home possible for military members by allowing eligible veterans and active-duty military personnel to finance 100% of a home's value with zero money down. VA loans offer flexible financing options, with various fixed-rate loans available.
- Provides financing for qualified veterans, active-duty personnel, reservists, and eligible family members
- Up to a 4% seller concession is allowed to assist with closing costs.
- We can assist you with obtaining the required Certificate of Eligibility.
Get Pre-Qualified Request a Free Consultation
To get pre-approved for a mortgage, you must first create an account.
Texas Vet Home Loans 4
If you're a veteran living in Texas, you may be eligible to purchase a home or permanently finance a primary residence with a Texas Vet loan. This competitive fixed-rate home loan is available in 15- or 30-year terms and can be used for financing up to $647,200
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. It can also be used in conjunction with an FHA, VA, or traditional loan.
The opportunity is available to any veteran
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whose service began after September 16, 1940. In addition to active Vets and those who have previously served, the Texas Vet loan program is available to surviving un-remarried spouses of eligible Texas veterans who are missing in action, were killed in action, or died as a result of service-related issues.
The Texas Veterans Housing Assistance Program (VHAP) is available to qualified veterans residing and purchasing a home in Texas, regardless of where they were born. Plus, the program can be applied every time you buy a primary residence in Texas, as long as only one VHAP loan is open at a time.
- No down payment is required on the purchase of your home
- No private mortgage insurance
- Minimal closing costs
- Highly competitive interest rates are offered, often lowering monthly payments and potentially saving thousands in interest over the life of the loan.
- Qualified veterans with a 30% service-connected disability are eligible for an interest rate discount of 0.5%
- Any activated National Guard or Reservist with an existing VHAP loan may be eligible to receive 0% interest from the Texas Veterans Land Board during their time on duty plus three months immediately following.
Get Pre-Qualified Request a Free Consultation
To get pre-approved for a mortgage, you must first create an account.
FHA Home Loans
FHA home loans are insured by the Federal Housing Administration (FHA) and provide various benefits for home buyers, especially first-time buyers, buyers without large down payments, or those using gifts for down payments and closing costs. A variety of fixed-rate and adjustable-rate options are available, so you can select the type of FHA loan that will meet your unique needs.
- FHA loans may be easier to qualify for than a traditional mortgage loan
- FHA loans can be more lenient than traditional mortgage loans, with lower credit scores, lower down payment requirements, and lower income requirements.
- A seller may contribute up to 6% of the sales price to assist with closing costs. With as little as a 3.5% down payment (96.5% LTV) you may qualify to purchase a home.
- A borrower may receive gift funds from an immediate family member or fianc e to assist with the purchase.
Get Pre-Qualified Request a Free Consultation
To get pre-approved for a mortgage, you must first create an account.
Professional Doctor Mortgage Loan 6
Introducing the Professional Doctor Mortgage Loan, designed specifically for professional doctors who dedicate their lives to caring for others. FirstLight understands the unique challenges you face and the sacrifices you make every day. That's why we've crafted a mortgage solution tailored to your needs, offering you the support and flexibility you deserve.
Why Choose the Professional Doctor Mortgage Loan:
- Exclusive Benefits: Offering competitive interest rates, making homeownership more affordable for you. Our program is designed to recognize your commitment to your profession and the community.
- Flexible Loan Options: Options to assist your specific financial situation and future goals. Mortgage loans up to $750,000, 97% LTV with no private mortgage insurance (PMI)
- Lower Down Payments: Saving for a down payment can be challenging, especially with student loans and other expenses. Our program offers down payment options, helping you get into your dream home sooner.
- Financial Guidance and Support: Mortgage professionals dedicated to personalized service and support providing no-cost consultations. From pre-qualification to closing, we'll guide you every step of the way, ensuring you make informed decisions.
- Community Appreciation: As a professional doctor, you play a vital role in our community. This program is our way of saying thank you for your unwavering dedication and service.
Join the Many Professional Doctors Who Have Found Their Homes with Us!
Your commitment to others should be rewarded. Let us help you achieve the dream of homeownership with a mortgage program that's as dedicated and flexible as you are. Contact us today to learn more and take the first step towards your new home.
