Your Refinance Options

Better Rate – Refinance your mortgage to get a better rate and lower your monthly payment, shorten your term to pay your loan off faster, or both. Refinancing is available up to 95% of your home’s value.

Get Cash Back – Refinance your mortgage and use the equity built up to get cash back to make big purchases, such as home improvements, college tuition, pay off debts, and more. Refinancing is available up to 80% of your home’s value.

All The Details

  • Conventional fixed rate mortgage – same low rate for the life of your loan
  • Quick approval process
  • No PMI (Private Mortgage Insurance) required when refinancing up to 80% of your home’s value.


apply - mortgage refinancingMortgage Refinancing Just for Teachers

If you are a teacher looking to refinance your mortgage, you are in luck! With a Gulf Coast Educators FCU Teacher Mortgage Refi, you can refinance your home up to 95%, with no PMI required.

  • Up to 95% financing
  • No PMI (Private Mortgage Insurance) required
  • Lower your rate & monthly payment


Get Started Today!

Your mortgage refinance loan experts will guide you through each step of the application and funding process. If you have any questions, please do not hesitate to reach out to them. When you are ready to apply for your mortgage refinance, click the apply button below.


To apply for a Teacher Mortgage Refi, you must be a current school employee with at least two years of experience in a public school district in the state of Texas, have a credit score of 680 or higher, and a 45% debt-to-income limit. Other conditions may apply. As a reminder, do not send confidential information, such as member number, social security number, etc. in an e-mail message. All property financed must be located in the state of Texas.