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
  • Available in Texas, Louisiana and Colorado

Getting Started

We know the home loan process can be overwhelming. Whether you’re ready to purchase a home, get prequalified or refinance a single family residence you already own, we're 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.

Apply Now

Already started an application? Log in

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

READY TO TALK? Contact us at 844-468-9369 Monday through Friday 8:30 am to 5:30 pm CT.

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.


Join Credit Human and Become a Member Today

Home Improvement

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

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.

Find Out How Much You Can Afford

Calculate your monthly payment and more.

Purchase or Refinance Rates

TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
Up to 15 years6.375%6.528%$85,000$647,200
30 years6.425%6.518%$85,000$647,200

Rates are effective as of 6/02/23

Loan rates change frequently and your rate may be different than what is shown here. Rates are influenced by many factors including credit score, loan-to-value, debt ratio, loan program and amount financed. The final interest rate is only determined once an application is accepted and the rate is locked at the request of our member.

If you are not yet a member, establishing membership is required prior to closing. All loans are subject to credit approval. The annual percentage rate (“APR”) is the cost you pay each year to borrow money and includes certain upfront fees that are treated as interest expressed as a percentage. Origination fees may apply. Mortgage insurance is required for certain loan programs if the loan-to-value is greater than 80%.

Rates shown above are estimated based on a purchase of a primary residence, 740 credit score, 80% loan to value, a debt ratio less than 40%, and a loan amount of $220,000.

Credit Human offers mortgage loans in Texas, Louisiana and Colorado. If you have questions or would like a custom rate quote, please contact us at 844-468-9369 to speak with an advisor.