Home Before the Holidays

Buy or Refinance Your Home with FWCCU This Season

There’s no place like home for the holidays, and now’s the perfect time to make your move. Whether you’re purchasing your first home or refinancing your current one, Fort Worth City Credit Union has the flexible, affordable options to get you home in time for the holidays.

Get a Gift That Feels Like Home

When you apply for a mortgage or refinance loan in August or September, you’ll receive your choice of a smart home gift (smart thermostat, doorbell, lock, or light kit) when you close on your loan. Plus, with every closed loan, we’ll donate to Fort Worth Housing Solutions to help another local family be home for the holidays.

Why Choose FWCCU for Your Mortgage?

  • No PMI with just 5% down on purchases

  • Rapid closings to get you in your home sooner

  • Low closing costs to keep more money in your pocket

  • Year-end interest rebates (yes, seriously!)

  • We service your loan for life – no getting passed around

Make Your Move Merrier

Getting started is easy. Whether you’re ready to buy or looking to refinance, our experienced mortgage team is here to guide you every step of the way.

Apply by September 30 to qualify for your smart home gift and donation. Start Your application online now or call 817-732-2803 to speak with a mortgage specialist. Let’s get you home before the holidays.

Disclosures:

Offer valid for new first mortgage or refinance applications submitted between August 1, 2025, and September 30, 2025, and must close by December 15, 2025, to qualify. Mortgage loans are subject to credit approval, property evaluation, and program qualifications. Smart home gift (estimated value $75–$100) and commemorative “Home Sweet Home 2025” ornament will be provided within 30 days of loan closing. Gift options may vary and are subject to availability. One gift per closed loan. Offer is non-transferable and may not be redeemed for cash or credit. Member is responsible for any applicable taxes.

Donation to Fort Worth Housing Solutions will be made by Fort Worth City Credit Union for each qualifying closed mortgage loan under this promotion.

This offer is available only for primary residences located in Texas and financed through Fort Worth City Credit Union. Additional restrictions may apply. Rates, terms, and conditions are subject to change without notice.

APR = Annual Percentage Rate. APR quoted “as low as” and are subject to change. Must qualify for the lowest rate. Rates are subject to change at any time. Payments on a first mortgage loan with a LTV of less than or equal to 80% finances at 6.54% for 30 years would be $1269.40 per month or $6.35 per $1000 borrowed. Loan approvals are subject to FWCCU lending guidelines. Rates and terms may vary based on quality of collateral, market value, lifecycle, etc. If used, credit score based on Fair Isaacs score from credit reporting agency. This information is not an offer to extend credit as defined by Section 1026 of Regulation Z.

In order to provide a full suite of mortgage products and services, Fort Worth City Credit Union (NMLS #547601) has a partnership with Member First Mortgage (NMLS #149532) and may therefore refer some loan types to them. Fort Worth City Credit Union (NMLS #547601) is an equal housing lender.

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.