Purchase or Refinance

Whether you’re ready to buy a home, or need to refinance your existing home at a better rate, turn to Credit Human.

  • Competitive fixed rates
  • Low closing costs and down payments
  • Terms up to 30 years
  • No prepayment penalties
  • Convenient online application
Note: Purchase and refinance loans are available in Texas and Louisiana.


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Getting Started

We know the home loan process can be overwhelming. Whether purchasing a home or refinancing a single family residence you already own, we are here to help you every step of the way. To get started, our knowledgeable loan advisors are available to contact you to discuss your best options.

Get Started


Note: Want to purchase a manufactured home? See our Manufactured Home options.


Ready to Apply? If you are a Credit Human member, fill out our easy online loan application and choose Home Purchase or Refinance Loan. Learn more about what is needed to expedite the loan process.

Easy Online Access

With our home loan, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more — when you sign up for online banking. You can even set up automatic loan payments from your Credit Human checking or savings account for ultimate convenience.

Learn More: Find out more about online banking and how you can sign up to manage your home loan as well as your other Credit Human accounts.

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Home Improvement

Upgrade your home today — from remodeling to a new deck — with a Credit Human Home Improvement Loan.

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Home Equity

If you’ve spent years investing time and money into your home, it may be time to explore ways to leverage its value.

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Checking & Savings

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Dividend Checking

Dividend Checking allows you to earn dividends on your balance and enjoy all the conveniences that come with all of our checking accounts.

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Purchase or Refinance Rates

TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
Up to 15 years2.325%2.458%$85,000$548,250
30 years2.975%3.049%$85,000$548,250

Rates are effective as of 12/03/21


Credit Human lending areas include the states of Louisiana and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees, and other charges that you have to pay to get the loan. For that reason, your APR is usually higher than your interest rate. Loans above 80% Loan-To-Value ratio may require private mortgage insurance.

Disclosed rates are based on a purchase amount of $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80%.

Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.