REAL ESTATE LOANS

Mortgage Loan Image

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.

Mortgage Refinance Image

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 Icon

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 Loan Image

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 Loan Refinancing Image

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 Image

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

Trisha De La Rosa Image

Trisha De La Rosa

NMLS# 1894943
281-436-5242
tdelarosa@gcefcu.org

Bobby Hedrick Image

Bobby Hedrick

NMLS# 198267
281-925-4149
bhedrick@gcefcu.org

Jeannette LaRue Image

Jeannette LaRue

NMLS# 755123
281-436-5260
jlarue@gcefcu.org
Hablo español.

 

Alex Gonzales Image

Alex Gonzales

NMLS# 2101777
281-436-5329
agonzales@gcefcu.org
Hablo español.

Jose Guerrero Image

Jose Guerrero

NMLS# 1942477
281-436-5254
jguerrero@gcefcu.org
Hablo español.

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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:

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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
Mortgage & Insurance Center

3943 Fairway Plaza
Pasadena, TX 77505
[MAP]

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.

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