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Home Loans


Purchasing a home is a complex transaction with many variables, and mistakes can cost you a lot of money for a very long time. A+FCU can help you learn more about the process and compare multiple mortgage options.

Mortgage Options

Looking to buy a home? We have you covered. Our award-winning Mortgage Lending team can help you find the right loan for you – plus, we offer calculators, articles, and financial counseling to help you get started.

We have a variety of mortgages and terms to give you the options you need to customize your mortgage.

10-Year Fixed-Rate

As Low As APR*

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15-Year Fixed-Rate

As Low As APR*

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20-Year Fixed-Rate

As Low As APR*

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30-Year Fixed-Rate

As Low As APR*

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Mortgage Rates

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage loan options
Rate APR* Estimated Payment
10-Year Fixed As low as 6.875% As low as 6.983% $4,041.28 per month for 10 years
15-Year Fixed As low as 6.375% As low as 6.450% $3,024.88 per month for 15 years
20-Year Fixed As low as 6.625% As low as 6.686% $2,635.33 per month for 20 years
30-Year Fixed As low as 6.875% As low as 6.922% $2,299.25 per month for 30 years

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*APR=Annual Percentage Rate

As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

Membership required. LTV = Loan to Value. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 4.12.2024.

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Easily check the status of your mortgage application, submit documents, and more.


Fill out this form and a lending representative will be in touch. For more immediate assistance during business hours, please call us at 512.302.6849.

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Rates & Resources

To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.

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Life Guidance for:

First-Time Homebuyer

Buying a home is a big deal, especially the first time around. Use these recommendations to prepare your finances, move through the application process, and know what to expect at closing and beyond.

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Life Guidance for:

(Re)Building Credit

Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.

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Buy Your Dream Home

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Take the stress out of homebuying – get the mortgage you need at a great rate and with lower fees.

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