Learn more about our current mortgage and refinancing rates

Say Hello to the TTCU Mortgage App

Texas Tech Credit Union Mortgage commits to making the process of securing a home loan as easy as possible for you.Whether you are a homebuyer looking to purchase a home, a current homeowner interested in refinancing, or a real estate agent hoping to speed up the process for your clients, our Mortgage app has a feature to benefit you.

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We'll help you find your dream home

From conventional mortgages to FHA loans, our wide array of loan options offer flexible terms and low interest rates to fit your lifestyle.

Why use this product with TTCU

Home Buying Options

Conventional

Conventional

The most popular category of mortgage loans, conventional loans generally have fixed interest rates and terms. These loans are not insured by the government, and are usually established with larger down payments than some of the other mortgage loan alternatives.

Refinancing Options

Refinancing Options

A refinanced mortgage pays off and replaces your old mortgage, and allows you to pay the remaining balance based on a new agreement. Refinancing can provide a number of benefits, such as lower monthly payments, a lower interest rate, the ability to get cash out of your home's equity, and a shorter loan term.

FHA/VA Loans

FHA/VA Loans

FHA and VA loans are insured by the Federal Housing Administration and the U.S. Department of Veterans Affairs. The FHA and VA will back qualified lenders in case of mortgage default, but do not lend money. FHA and VA loans allow borrowers to spend a higher percentage of their monthly income on debt than conventional loans.

Jumbo Mortgages

Jumbo Mortgages

Jumbo Mortgages, or non-conforming mortgages, exceed the guideline limits established by Fannie Mae and Freddie Mac. These loans offer borrowers who have low debt-to-income ratios and high credit scores an option to purchase an expensive luxury home.

The Home Buying Process

  1. Meet with one of our home buying experts to pre-apply for a loan.
  2. Find your home. Whether you hire a real estate agent or conduct your search online, we'll support you each step of the way.
  3. Apply for and receive your mortgage. Receive fast approval for a low interest mortgage with flexible terms.
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Not quite surewhere to start?

We're here to help.From setting a budget to closing the deal, our free Home Buying Guide will walk you through each step of the homebuying process.

Download Now

Home Loan Rates

Rates Effective: 04/19/2021*

Fixed-Rate - For Current Rates: Call 806.742.3606 | APR = Annual Percentage Rate | Actual rates are subject to change, based on account qualification and underwriting criteria | Fees may reduce earnings | Rates subject to change.

Meet your mortgage dream team

Our experts have seen it all, and are here to guide you through the home-buying process one easy step at a time. We have an in-house mortgage program for buying and refinancing, so you can deal with people you know and trust. The online application process is easy. With a wide range of terms and options to choose from, we'll help find the loan that's right for you.

Jay Herrin

Jay Herrin

Mortgage Director

Ravenwood Branch


NMLS# 338837

806-252-0675 | Cell/Text

jay.herrin@texastechfcu.org

4005 98th St. | Lubbock, TX 79423

“It's not just about getting a new home. It's about getting to know you, and offering the best solutions for your financial success.”
Jennifer Lopez

Jennifer Lopez

Mortgage Loan Officer

Ravenwood Branch


NMLS# 1055310

806-767-0480 | Office

jennifer.lopez@texastechfcu.org

4005 98th St. | Lubbock, TX 79423

“Communication is my number one priority. It's important to me that you are comfortable, at ease, and informed throughout your home-buying journey.”
Tom Couture

Tom Couture

Mortgage Loan Officer

Ravenwood Branch


NMLS# 842717

806-773-0496 | Cell/Text

tom.couture@texastechfcu.org

4005 98th St. | Lubbock, TX 79423

“I have a passion for helping others overcome the inditimidation of buying a new home.”
Savanna Holton

Savanna Holton

Mortgage Loan Officer

Ravenwood Branch


NMLS# 1142161

806-928-1090 | Cell/Text

savanna.holton@texastechfcu.org

10210 Quaker Ave | Lubbock, TX 79424

“Buying our first home through a "big" bank made us realize the importance of local lenders, and close communication throughout the home buying process.”
Brandon Eckert

Brandon Eckert

Mortgage Loan Officer

Ravenwood Branch


NMLS# 1499695

806-544-1741 | Cell/Text

brandon.eckert@texastechfcu.org

4005 98th St. | Lubbock, TX 79423

“Don't let the unknown keep you from buying a home.”
Ashley Laycock

Ashley Laycock

Mortgage Loan Officer

Main Branch


NMLS# 1279963

806-681-7095 | Cell/Text

ashley.laycock@texastechfcu.org

1802 Texas Tech Pkwy | Lubbock, TX 79409

“Whether you're a first-time home buyer, a seasoned investor, or are looking to refinance, your loan is important to me and I am committed to making you feel comfortable through every step of the mortgage process.”
Bert Rogers

Bert Rogers

Mortgage Loan Officer

Ravenwood Branch


NMLS# 338237

806-441-8481 | Cell/Text

bert.rogers@texastechfcu.org

4005 98th St. | Lubbock, TX 79423

“The most challenging aspect of buying a home should be packing. My mission is to help you create the most enjoyable and stress-free home buying experience.”
Kevin Geeslin

Kevin Geeslin

Mortgage Loan Officer

Ravenwood Branch


NMLS# 1664708

806-500-1590 | Cell/Text

kevin.geeslin@texastechfcu.org

4005 98th St. | Lubbock, TX 79423

“Communication and Clarification are key. I am here to make sure options are made known in your specific situation.”
Shaun Schimmelman

Shaun Schimmelman

Regional Producing Manager

Irving (Cypress Waters)


NMLS# 1696826

469-404-5501 | Cell/Text

shaun.schimmelman@texastechfcu.org

8704 Cypress Waters Blvd. Suite #150, Irving, TX 75063

“My goal is to be the home financing partner that you trust to serve your family, friends and community.”