To all our members impacted by Hurricane Beryl, we’re here to help. 
    Please call the Member Service Center at 800-688-7228 so we can work together to find the best solutions for you. And for members who need assistance with your Manufactured Home loan, please call our team of MH specialists at 866-310-2143 to discuss available options.

    Home Loans

    More ways to work toward your goals.
     

    Purchase or Refinance

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

    • Competitive fixed rates and terms up to 30 years
    • Low closing costs
    • As little as 5% down payment and no private mortgage insurance (PMI)*
    • No prepayment penalties
    • Convenient online application
    • Available in Texas, Louisiana and Colorado
    VIEW RATES

    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.

    Purchase or Refinance Rates

    Up to 15 years 6.325% 6.477% $85,000 $647,200
    30 years 6.650% 6.744% $85,000 $647,200

    Rates are effective as of July 26, 2024

    Join Credit Human and Become a Member Today

    Join Now

    Credit Cards & Loans

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    Home Improvement

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

    Get Details

    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.

    Get Details

    Find Out How Much You Can Afford

    Calculate your monthly payment and more.

    Get Started

    Credit Human lending areas include the states of Colorado, 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.
     
     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.