Home Loans
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
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.
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NOTE: Want to purchase a manufactured home? See our Manufactured Home options
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 | 5.775% | 5.900% | $85,000 | $806,500 |
30 years | 6.100% | 6.176% | $85,000 | $806,500 |
Rates are effective as of December 9, 2024
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View AllHome Improvement
Upgrade your home today — from remodeling to a new deck — with a Credit Human Home Improvement Loan.
Get DetailsHome 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 DetailsCredit 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 of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%.
Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.