Home Ownership Made Simple

Hometown Hero

First Basin Credit Union has helped countless members realize their dreams of home ownership.  Now is the perfect time to decide on refinancing your current home or purchasing that lifelong dream property with a new home loan from First Basin. Our full-service mortgage team has all the tools necessary to deliver an exceptional home buying process, ensuring that our members receive a streamlined mortgage experience with quick loan approval, and no hidden fees.  

Freeze Your Rate 

Interest rates keep moving...one day they're up, then down, then somewhere in between. If you are on the fence about refinancing or making the transition to a home of your own, don't wait, let First Basin freeze your rate . Freezing your rate, for up to 90 days, will provide the comfort of looking for a new home while your rate stays secure.  During the application process, our team of lenders will assist in determining your loan amount, term and payments as well as being just a phone call away (432.248.8301) when you have questions.

Lower Rate = More Home

That's right, a better rate will get you more home with the same or possibly lower payment. First Basin has the lowest home loan rates in the Permian Basin and a package that includes $2,500 in closing cost credits to sweeten the deal. It's time you flex your super powers by unlocking more buying power with First Basin. You could unlock up to $39,000 in additional buying power!

Apply Now Home Loan Calculator

 

Go Big and Go Home!

With up to $39,000 in additional buying power, imagine what you can do. First Basin regularly beats the Market Rate and proves that our "Best Deal" is no empty promise. 

Home Loan Department - (432) 248-8301

Odessa - Monday to Friday: 8:30 - 5:30 | Midland - Tuesday: 9:30 - 5:00 | Andrews - Thursday: 9:30 - 4:30

Here to Help

A home loan can be overwhelming without the right team helping along the way. To assist our members, First Basin created two helpful documents to guide you through the home buying process. The "Mortgage Checklist" will help eliminate surprises by informing you of everything you might need and the handy "What to Expect" guide takes a step by step look at the process. 

Mortgage Checklist What to Expect

 

In the Homestretch

You've submitted your application, now what? Stay up to date on the status of your existing application, upload necessary documents, and view important messages from our team. Our Mortgage Team is here to help with any questions you may have throughout the home loan process. 

Check Loan Status

*Subject to credit approval. This is not a commitment to lend and not all borrowers will qualify. Rates and terms are subject to change without notice; please contact First Basin Credit Union for current rates and terms. Minimum loan amount is $50,000.  Products and services are only available in Texas in which First Basin Credit Union is licensed. “BEST DEALS” package may come as a combination of a better rate, beating or matching a valid competitor offer, or a combination of the previous.  Some lender closing costs such as origination, processing and underwriting may also be waived. Freezing a rate is only valid for 90 days. Refinancing your mortgage loan to reduce total monthly payments may lengthen the repayment term or increase total interest expense compared with your current situation. LENDER CLOSING COST CREDIT: amount may vary and is subject to borrower’s qualification. Promotional credit amount is based on 1% of loan amount with a maximum credit of $2,500. Offer not valid with land, construction, investment mortgages, mobile homes, or cash out refinances. Credit not applicable towards origination fee, discount points, private mortgage insurance (PMI), condo document or approval fees, homeowner’s association fees, home inspections, costs related to deed changes, prepaid funds for homeowner’s and/or taxes, prepaid interest, funds to establish the member’s homeowners and/or property taxes escrow account, or additional non-standard services requested by the purchaser. Credit will be applied at closing in the amount determined by your loan officer. Rate may increase with this offer. First Basin Credit Union, 7100 E. TX Hwy 191, Odessa, Texas, 79765. Federally insured by NCUA. Equal Housing Lender.  NMLS ID #486250.