*The Neches Rate Lock Solution is only available on residential purchases mortgages. The Rate Drop Solution is available on residential purchase, refinance, and construction-to-perm mortgages.
Rates as Low as 5.25% APR
Put your home's equity to work for you with a Neches FCU Home Equity Loan. A Neches Home Equity Loan allows you to borrow money that is secured by the equity in your home. You can borrow up to 80% of the value of your home, and the repayment terms range from 5-30 years. There is no application fee, and the interest rates on our Home Equity Loans are considerably lower than those available on unsecured loans.
Right now, Neches FCU Home Equity Loan rates are lower than ever! With rates as low as 5.25% APR, now is the time to put your homes equity to work for you. You can use your home’s equity to consolidate bills, make home renovations, put in that dream pool, pay off college tuition and more!
*With approved credit. Some restrictions apply. APR = Annual Precentage Rate. Contact a Neches FCU Mortgage Loan Officer for more details.
Put your home's equity to work for you with a Neches FCU Home Equity Loan. A Neches Home Equity Loan allows you to borrow money that is secured by the equity in your home. You can borrow up to 80% of the value of your home, and the repayment terms range from 5-30 years. There is no application fee, and the interest rates on our Home Equity Loans are considerably lower than those available on unsecured loans.
Rates as Low as 5.90% APR
Neches FCU is your home for home loans. Whether you are purchasing a new home or looking to refinance Neches FCU offers several different options to finance the home of your dreams! Our in house mortgage program offers no PMI for mortgages with 10% down. Neches FCU mortgage loans also offer low closing costs, competitive rates, up to 30 years terms, and great personal service.
Rates as Low as 6.50% APR
Are you building your dream home? A Neches FCU Interim Construction Loan supplies funds to your builder for payment of materials and labor for the construction of your new home.
Our Interim Construction Loan offers
Contact a Neches FCU Home Loan Officer for complete details and let Neches help starting building your dreams today!
Our Home Loan Team is here to help. Whether you are ready to apply or have questions about how to get started, one of our home loan professionals is ready to assist you.
Phone: (409) 749-6333
Email: gratcliff@nechesfcu.org
Office: Magnolia Branch, Port Neches
Apply or Contact Online
“I have been a Neches FCU mortgage loan officer for 13 years and I have over 31 years of lending experience. My favorite thing about my job is connecting with my members on so many different levels and helping them.”
Website: Mary Ann Allen
Phone: (409) 749-6303
Email: maallen@nechesfcu.org
Offices: Dowlen & Pearl
Branch, Beaumont
Apply or Contact Online
“I am a Neches FCU Loan Officer with over 30 years of lending experience. I will help you find the financing solution for your specific needs and will guide you throughout the process.”
Website: Layla Guillot
Phone: (409) 749-6382
Email: lguillot@nechesfcu.org
Office: Nall Branch, Port Neches
Apply or Contact Online
“I am a Neches FCU mortgage loan officer with over 20 years of lending experience. The best part of my job is that I have the opportunity to help members accomplish their dreams.”
Website: Natasha Hazlip
Phone: (409) 749-6337
Email: nmhazlip@nechesfcu.org
Offices: Nederland & Bridge City
Apply or Contact Online
"I want to help my members achieve their financial goals whether that’s purchasing a home, building a home, refinancing their current home or doing a home equity to do home improvements or debt consolidation."
Website: Christi Klingman
Phone: (409) 749-6369
Email: clklingman@nechesfcu.org
Offices: Major Dr. & Lumberton
Apply or Contact Online
"My experience as a mortgage lending professional began in 2006. My goal is to share my knowledge and empower others with a better understanding of the mortgage process. Whatever your needs are, I am here to support you in achieving all of your real estate objectives."
Download your Home Loan Toolkit now! This guide will help you navigate the steps you have to take to get a mortgage. This can help you as you think about, apply for, and close on a mortgage—step-by-step. The toolkit helps you calculate how much you can afford for a home, gives you questions to ask your lender, and features worksheets and checklists to fill out during the process. At Neches FCU, we are here to provide signature service and personally serve you—every step of the way!
