Learn more about our current mortgage and refinancing rates

Introducing Best Rate Guarantee

We're confident we offer the best rates in the market. That's why if you find a better mortgage rate with another lender, we’ll pay you $1,000— it's that simple.

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Home Buying Options




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.

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.


Whitney Chaney

Mortgage Loan Officer
NMLS# 1213629

Meet Whitney

Brett Dunlap

Mortgage Loan Officer
NMLS# 446649

Meet Brett

Larissa Cable

Mortgage Loan Officer
NMLS# 525982

Meet Larissa

Haden Lipham

Mortgage Loan Officer
NMLS# 1644599

Meet Haden

Kali Arredondo

Mortgage Loan Officer
NMLS# 2331602

Meet Kali

Alex Ramirez

Mortgage Loan Officer
NMLS# 1752626

Meet Alex

Tom Couture

Mortgage Loan Officer
NMLS# 842717

Meet Tom

Bert Rogers

Mortgage Loan Officer
NMLS# 338237

Meet Bert

Kevin Geeslin

Mortgage Loan Officer
NMLS# 1664708

Meet Kevin

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.

The TTCU Mortgage App lets you, Compare different lending scenarios, calculate the possible savings (or cost) of refinancing, scan in required documents from your smartphone, and stay up-to-date on industry news.

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 sure where 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