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Home Loans

San Antonio Citizens Federal Credit Union offers a variety of home loan options to fit your needs:

  • • Buy a New Home
    • Build Your Dream Home
    • Refinance an Existing Mortgage
    • Manufactured Homes and Land Financing
    • Investment and Rental Homes
    • Construction to Permanent Financing
    • Vacant Land Loans


Loan or Line of Credit

Access the equity in your home with a Home Equity Loan or Line of Credit. Put your home’s equity to work for you and use the funds for whatever you need, such as paying off debt, renovating or remodeling, replacing your roof, paying tuition, or any other big-ticket item you’ve been dreaming of.

These loans let you borrow money using the equity in your home as collateral. Unlike almost any other consumer loan type, the interest on a home equity loan or HELOC may be tax-deductible.

With a home equity loan, you borrow a lump sum of money repayable over a fixed term, usually 5-15 years, giving you the security of a locked-in rate and a consistent monthly payment. A HELOC is much like a credit card or any other type of open-ended credit. You can borrow money as needed, up to the credit limit your lender assigns, by making a transfer into your checking account. A HELOC is usually a variable-rate loan, so your monthly payments will change based on your outstanding balance and fluctuations in the prime rate.

Speak to a home loan specialists at San Antonio Citizens Federal Credit Union for more details about our home equity loan products. Call today at 352-588-2732.

How much do you qualify for? How much house does a given monthly payment buy? Monthly payment calculator? Will refinancing save money?  Use our mortgage calculators to learn more.

Your Future. Our Community. Together.
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