Home Purchase or Refinance Loan

Whether you’re ready to buy a home for the first time, 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: Want to purchase a manufactured home?  See our Manufactured Home options.


Apply for Great Rates and Terms

We can help you finance — or refinance — a new or used home. Whether purchasing a home for the first time or refinancing a single family residence you already own, we have competitive fixed rates and flexible terms up to 30 years on a minimum loan amount of $15,000. There are never penalties for early repayment!

Ready to Apply? If you are a Credit Human member, fill out our easy online loan application and choose Home Purchase or Refinance Loan. If you are not yet a member, learn about how you can join us!

Learn more about what you need to begin the loan process. (PDF)

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Savings and Peace of Mind

Credit Human Home Purchase or Refinance Loans offer great peace of mind with fast approvals and knowledgeable Credit Human representatives that can help you through every step of the process. We offer low closing costs and low down payments to help members maximize their housing budgets. Bi-weekly repayment options also available on select loans!


Easy Online Access

When you have a Home Purchase or Refinance Loan with Credit Human, 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 the ultimate in convenience.

Learn More: Find out more about online banking and how you can sign up to manage your Credit Human Home Purchase or Refinance Loan as well as your other Credit Human accounts.

Join Credit Human and become a member today

Home Improvement Loan

Make your home better in any way you can imagine — from remodeling to landscaping — with a Credit Human Home Improvement Loan.

Home Equity Loan

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

Extra Value Checking — and Extra Value Plus

From dividends to discounts, get a full package of perks and extras when you choose Extra Value or Extra Value Plus Checking from Credit Human.

Purchase or Refinance Rates

TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
10 years3.250%3.662%$15,000$424,100
15 years3.375%3.661%$15,000$424,100
20 years4.000%4.233%$15,000$424,100
30 years4.250%4.422%$15,000$424,100

Rates are effective as of 10/18/17

Credit Human lending area includes Bexar County and contiguous counties (Atascosa, Bandera, Guadalupe, Kendall, Kerr, Medina and Wilson) and Harris County and contiguous counties (Brazoria, Chambers, Fort Bend, Galveston, Liberty, Montgomery and Waller). Rates are subject to change without notice. Rates can 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 mortgage insurance. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.