Home Loans

Whether you need to finance a new home or refinance an existing home loan. Our trusted mortgage loan originators are here to help at every step of the home loan process. 

Here’s what we have to offer:

  • First-time home buyer programs
  • Down payment assistance
  • Closing cost assistance
  • Low down payment programs
  • VA loans
  • FHA loans
  • Traditional 30, 20, or 15 Year Fixed Rate
  • Adjustable Rate Mortgages (ARMs)
  • Texas Veteran Land Board Home Loans
  • Home Equity Loans

Your home loan toolkit: A step-by-step guide

Consumer Handbook on Adjustable Rate Mortgages (ARM): CHARM Booklet

Request a Free Consultation!

CLOSING COST CREDIT/DOWN PAYMENT ASSISTANCE
***On approved credit with minimum loan amount of $100,000. Maximum credit amount may not exceed $1,500. Credit will be applied toward FirstLight fees on a FirstLight home loan only. Offer not valid towards any third party vendor fees, or combined with any other discounts, or on existing FirstLight home loans. Home loans available for properties in Texas or New Mexico. Excludes unimproved land, construction loans, refinances and equity loans. Discount may not be applied to government insured home loans (such as, but not limited to VA, FHA, and TexasVet) or combined with any other home buyer assistance program. Coupon has no cash value and cannot be redeemed for cash. Ask your Mortgage Loan Originator for more information.


HOME LOAN SERVICING INQUIRES, ERROR RESOLUTION REQUESTS AND/OR DISPUTES

If you believe an error has been made on your mortgage loan or have questions pertaining to the servicing of your account, please send us a written statement addressing your inquiry or the error in question. If you are writing about an error, please include documentation to support why you believe we have made an error on your account. Your letter must be signed and contain your full name, property address, loan number and your current contact information so we may follow up with you. Please forward letters and supporting documentation to the address below:

FIRSTLIGHT FEDERAL CREDIT UNION
Attn: Mortgage Servicing Dept – Dispute / Inquiry
P.O. Box 4318 , El Paso, Texas 79914

Click here for printable Home Loan Error Resolution Form

*Non-dispute inquiries can also be addressed by contacting the Mortgage Servicing Department at  (800) 351-1670 Ext. 1796


HOME LOAN ASSISTANCE

Click here to access the Home Loan Assistance form

**Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Existing FirstLight FCU loans or credit cards will not be eligible for balance transfers. FirstLight FCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. Each balance transfer will be treated as a purchase as described in your Credit Card Agreement and is subject to credit availability. If there is a balance transfer promotion, any balance transfers processed after the promotional period will incur finance charges at the standard rate. Minimum payments will be applied to any balance at the lower rate before being applied to balances at the card’s standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. If you have not activated your credit card, please call 1-800-527-7728 to do so. Please be sure to read the Credit Card Agreement and Account Opening Disclosures for more details. Remember, FirstLight Federal Credit Union is here for you as we help you find more ways to move beyond banking!

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