Slack Builder

Discover a different type of home loan designed with your financial health in mind.

  • No down payment required
  • No private mortgage insurance required
  • Build equity faster
  • Convenient online application process
Note: The Slack Builder loan is available in Texas and Louisiana.

A Home Loan for You

With all the costs that come with buying a home, putting down a large sum of money as a down payment can make it even more challenging to achieve that dream. That is why we offer 100% financing for the purchase of your home.

And because we take your financial health seriously, we're not requiring private mortgage insurance (PMI) for this loan. Instead of paying PMI, that money will be used to pay down your principal balance - building equity faster.

This is our way of helping you gain more financial slack and become financially healthier.

Getting Started

We know the home loan process can be overwhelming. Whether you're ready to purchase a home or need to talk to one of our knowledgeable loan advisors, we are here to help you every step of the way.

Apply Now

Continue Application

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

Calculate your monthly payment and more.

READY TO TALK? Contact us at 844-468-9369 Monday through Friday 8:30 am to 5:30 pm CT. You can also submit your contact information and a Loan Advisor will connect with you within two business days.

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.


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

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.

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.

Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

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.