Summer Sweepstakes

Texas Bay wants to give back to YOU this summer!

Let Texas Bay be your partner in financing your NEW DREAM HOME or refinancing your current dream home this summer and be entered to WIN our Monthly Sweepstakes AND our end of summer Grand Prize!*

Monthly Prize Packs

Get your Mortgage with Texas Bay and all this could be YOURS!*

  • Pit Boss Wood Fired Pellet Grill & Smoker
  • Pit Boss Grill Cover
  • RTIC 52 qt. Ultra-Light Cooler

  • Toro 22 in. Recycler SmartStow Lawn Mower
  • ECHO 25.4 cc Gas Trimmer

To be revealed July 25th

Apply Today
Experienced mortgage professionals to guide you through every step

Are you on the search for a reputable mortgage lender in Houston? Ready to hold the competitive advantage in today’s housing market? It’s time to start with Houston’s #1 Credit Union, Texas Bay. Our experienced team understands how important of an investment buying a home can be, and whether you are a first-time home buyer or looking to refinance, they are here to be your partner throughout the entire process.

Become a Texas Bay Knockout Buyer!

Let our team arm you with the tools to keep your rate low in this rising rate environment and compete in this competitive housing market!

As a Texas Bay Knockout Buyer you will enter the housing market with a pre-approval that has a 60-day rate lock!

  • Keeps the red tape and complexity of a mortgage to a minimum
  • With the rising rates have peace of mind knowing your rate is locked in

We've got the mortgage to fit your needs

Buying a Home Refinancing Your Home
  • Conventional Loans - Fixed Rate Mortgage 
    • Interest rate will not change for the life of your loan
    • Protecting you from the possibility of rising interest rates
    • Great for first time and seasoned buyers
    • 60 Day Rate Lock
    • Terms (10, 15, 20, or 30-Years)
    • Best for: Members that plan to occupy the property for extended period of time
  • FHA - Fixed Rate Mortgage
    • Credit score requirements are lower compared to other loan options
    • Lower down payment requirement (3.5%)
    • Great options for buyers with credit challenges
    • Insured by Government
    • Terms (10, 15, 20, or 30-Years)
    • Best for: First-time home buyers
  • VA Loan - Fixed Rate Mortgage
    • Great option with no down payment required
    • Government-guaranteed mortgages
    • Highly competitive interest rates
    • Best for: Veteran, currently enlisted, National Guard, Reservist, Surviving Spouse's
  • Land Purchase - Fixed Rate 
    • Residential Lot Loan
    • Unimproved Land Loan
    • Terms (10 and 15-Years)
  • Mortgage Refinance - Fixed Rate Mortgage
    • Great for cutting years off your mortgage term
    • Lowering payments for affordability
    • Terms (10, 15, 20, or 30-Years)
  • Cash-Out Refinance - Fixed Rate Mortgage
    • Take equity out of your home
    • Eligible Properties: Primary, Secondary, and Investment 
    • You can use the equity to consolidate debt, do home improvement, cover repair bills, or even pay off student debt
    • Terms (10, 15, 20, or 30-Years)

Meet our Mortgage Loan Officers

Additional Perks with Texas Bay in Your Corner

Get started on finding your dream home with a team that’s ready to help you
First-Time Buyer Seminars
Ready for your dream home? Get tips and guidance on the home buying process.
Looking for home insurance? Texas Bay Insurance Group has you covered. Find coverage for your home today!              
With a Texas Bay Mortgage you can count on...
  • Competitive Rates
  • Fast Closings
  • Flexible Terms
  • Easy Online Application
  • Experience
  • In-house servicing
  • And MORE!!!
Applying online is as easy as 1-2-3.

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NMLS #280545

Membership eligibility required. The standard rate is based on your credit at the time of application. 
*To enter drawing, close on your new mortgage loan or refinance your mortgage loan with Texas Bay Credit Union in June 2022, July 2022, or August 2022. Requires approval. All new mortgage loan types offered by our mortgage department are eligible except for internal refinances. Monthly Prize Packs can be picked up at our Fuqua branch after announcement items will be new and as described no substitutions on items allowed. Grand Prize $2,500 gift certificate to can be used to create your custom cruise vacation on one of their 3 cruise lines Galveston Cruise partners with. Gift certificate must be used within 1 year from date winner received. For monthly prize drawings, one (1) winner will be randomly selected from each month's entries. June winner will be announced in July 2022. July winner will be announced in August 2022. August winner will be announced in September 2022. For grand prize drawing, one (1) winner will be randomly selected from the cumulative June, July, and August entries. Grand prize winner will be announced in September 2022. Odds of winning depend on the number of entries received. Only members of Texas Bay Credit Union in good standing and other persons within the Credit Union's field of membership 21 or older are eligible to participate in the drawing. Membership is required before utilizing any Credit Union product or service by establishing a savings account with $1. Officials and employees of the Credit Union and their family members are not eligible to participate in this drawing. No purchase necessary to enter and win. To submit an entry without purchase or obligation, a handwritten form must be on a 3"x5" index card to include your name, address, your Texas Bay Credit Union member account number (if applicable), telephone number, date of birth, and the last 4 digits of your social security number. Each entry must be mailed to Texas Bay Credit Union, Attn: Marketing/Mortgage Sweepstakes, 12611 Fuqua St, Houston, TX 77034. Must be postmarked by June 30, 2022 for July Drawing, July 31, 2022 for August Drawing, or August 31, 2022 for September and grand prize drawing. Limit one manual entry per person. The Credit Union assumes no responsibility for late, incomplete, stolen, or illegible entries. The Credit Union may discontinue this offer at any time. Promotional period is June 1, 2022 to August 31, 2022.