Home Loans

Stop paying rent and start earning equity! Getting a home loan can be a scary proposition, but Texell Credit Union helps first-time home buyers, farmers, veterans, real estate investors, and regular people, like you, get homes every day. We take time to get to know our borrowers and help them achieve their dreams.


Mortgage Loans

Texell has been a safe and trusted name since 1948, dedicated to serving the citizens of Central Texas. When you get financing through Texell, you can look forward to local, personal service by people right here in our community. 

The Texell Advantage

  • Local, personal service
  • Low rates
  • Low fees
  • Low down payments
  • Free rate locks
  • No prepayment penalty

Loan Programs

  • Fixed mortgage rates up to 30 years
  • Purchase
  • Refinance
  • Investment Property
  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo


Rates and Terms:

Type & Term1 Rate APR* as low as Lender Fee
30-year Fixed 2.850 %
2.985 % 0.50%
15-year Fixed 2.125 % 2.377 % 0.50%
FHA 30-year Fixed 2.250 % 2.815 %   0%
FHA 15-year Fixed 2.125 % 2.742 %   0%
VA 30-year Fixed 2.650 % 2.702 %   0%
VA 15-year Fixed 2.250 % 2.346 %   0%











Get Approved for a Mortgage Mortgage Comparison Calculator

* APR = Annual Percentage Rate
These examples are based on a 80% LTV and a 740 or higher FICO score (excluding VA Loans).
Rates are subject to change without notice and may vary depending upon credit history, loan programs and loan terms. Rates are quoted on a 30-day lock option.
For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit www.texellhomeloans.com.
¹ Loans currently financed with Texell are not eligible for refinance.

Home Equity Loans

As a homeowner, you can use your home's equity to obtain a low-rate loan.
So dream big: Improve your home, consolidate your debt, even further your education.

  • Low, fixed home equity rates
  • Terms up to 20 years
  • Fast and easy approval
  • Borrow up to 80% fair market value on the property
  • No closing cost option for Home Equity Loans up to $150,000
  • Interest may be tax deductible (consult your tax adviser)


Terms and Rates:

Terms APR* as low as1
60-months
2.79 %
120-months 3.09 %
180-months 3.19%
240-months 3.70%

¹ Rates listed are for 1st lien home equity loans.


Get Approved for a Home Equity Loan Home Equity Calculator


Land Loans

Found the perfect land to build your dream home? Whether you plan to build your home right away or in a few years, we can get you started.

  • Low, fixed land loan rates
  • Terms up to 15 years
  • Fast and easy approval
  • Borrow up to 80% of the fair market value or purchase price of the property, whichever is less


Terms and Rates:

Terms1 APR* as low as
60-months 3.99 %
120-months 5.50 %
180-months 5.63%

Get Approved for a Land Loan Amortizing Loan Calculator 


* APR = Annual Percentage Rate
These examples are based on a 80% LTV and a 740 or higher FICO score.
Rates are subject to change without notice and may vary depending upon credit history, loan programs and loan terms. Rates are quoted on a 30-day lock option.
For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit www.texellhomeloans.com.