REAL ESTATE LOANS
Mortgage
With advantages like low closing costs and fees, we make getting a home loan easier for you. Our team is here to help you every step of the way.
Refinance
There are many perks when it comes to refinancing your mortgage. Choose the option that best fits your needs, and we’ll help you every step of the way.
Land Loan
Found that perfect retirement spot or weekend getaway but not quite ready to build? A land loan from your credit union may be the answer.
Teacher Mortgage
If you are a teacher looking to buy a home, you are in luck. With a GCEFCU Teacher Mortgage, you can finance your new home up to 103%, with no down payment or PMI required.
Teacher Mortgage Refi
Teachers who are already homeowners can also benefit from our Teacher Mortgage Program. Refinance your home up to 95% with no PMI required.
Home Equity Loan
Use the equity in your home to pay off high interest debt, make needed renovations or refinance your existing home equity loan at our low rates.
Your Real Estate Loan Resource Center
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Real Estate Loan Officers
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Required Documents
Before you start your loan pre-qualification process, you will need the following documentation for your loan officer to review.
General Documentation:
- 30 days worth of paystubs dated within 30 days of your application date (*GCEFCU cannot use direct deposit information for mortgage applications)
- 2 years worth of W2s, 1099s, etc.
- 2 years worth of tax returns (if self-employed, collecting rental income, or required by loan officer)
- Documents reflecting retirement income or benefits being collected (award letters, 1099s, statements, etc.)
- 2 months worth of bank statements from the account(s) you are seeking use for closing cost/down payment
- 2 forms of valid government identifications
New Mortgages:
- Copy of your contract
- Copy of earnest money check
- Proof of earnest money check clearing your account (once available)
Mortgage Refinances & Home Equity Loans:
- Most recent mortgage statement (if applicable)
- Deed of Trust(s) on your home(s) (if applicable)
- Current homeowners, windstorm, and/or flood insurance policies for each property owned
Miscellaneous:
- If you own more than one property, please provide the mortgage statement, insurance policies, and/or rental agreements (if applicable)
- If you have student loans in deferment please provide documentation on the terms or your student loan(s).
Miscellaneous Forms
Once you have started your mortgage loan process, you may be required to submit additional forms. The most commonly requested forms are listed below:
- Welcome Packet – New Mortgage
- Welcome Packet – Mortgage Refinance
- Payoff Request
- Appraisal Order Form
- AVM Order Form
- Refinance Quote Sheet
- Change of Address Form
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Real Estate Calculators
Mortgage Payment Calculator
Comparing mortgages (i.e. 15, 20, 30 year).
How much home can I afford?
Should I refinance my home?
Should I pay discount points?
How much of a down payment should I make on my new home?
Should I make extra payments on my mortgage?
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Homeowner’s Insurance
The best way to protect your home from unexpected losses and damage is through homeowner’s insurance. Gulf Coast Educators Insurance Services, LLC is a subsidiary of GCEFCU, and available to provide you with the best homeowner’s insurance quote, whether you are buying a new home, refinancing, or simply shopping for a cheaper rate.
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Contact Us

Mortgage & Insurance Center
3943 Fairway Plaza
Pasadena, TX 77505
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Call/Text: 281-487-9333
Toll Free: 800-683-3863
Email: realestate@gcefcu.org
Schedule an Appointment
If you would like to schedule an appointment with one of our Real Estate Loan Officers, please give us a call at 281-487-9333 or email realestate@gcefcu.org.