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Mortgage Rates
Below are the rates for some of our mortgage loan programs, however, Smart Financial offers more than these options! We also offer standard conventional mortgage loans which include fixed rate loans, FHA, VA, USDA, Home Possible and Home Ready mortgage programs. For a mortgage loan to purchase or refinance your primary, secondary or even investment property, please give us a call to provide you with current market pricing. Because the rates can change frequently, we prefer to provide you with custom quotes based on your own unique mortgage needs, preferred mortgage loan program and amortization. We have an excellent mortgage origination team looking forward to serving you!



You can reach us at 713-407-1830 or mortgagelending@smartcu.org
Loan Amount:      $

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Program Name Rate APR Payment  
5/1 ARM (Jumbo) 3.750% 4.726% $0.00
7/1 ARM (Jumbo) 3.875% 4.627% $0.00
10/1 ARM (Jumbo) 3.990% 4.489% $0.00
30yr Fixed (Jumbo) 4.490% 4.532% $0.00  
15yr Fixed (Jumbo) 3.990% 4.060% $0.00  
20y HE FX 1st (Other) 4.740% 4.498% $0.00  
15y HE FX 1st (Other) 4.240% 4.273% $0.00  
10y HE FX 1st (Other) 3.990% 4.132% $0.00  
5y HE FX 1st (Other) 3.490% 3.664% $0.00  
15y HE FX 2nd (Other) 5.240% 5.338% $0.00  
10y HE FX 2nd (Other) 4.990% 5.044% $0.00  
5yr HE FX 2nd (Other) 4.490% 4.740% $0.00  
5/1/15 PM2 ARM (Other) 6.990% 7.053% $0.00
5/1/15 HI ARM (Other) 3.990% 5.429% $0.00
15yr HI FX (Other) 6.240% 6.517% $0.00  
10yr HI FX (Other) 5.990% 6.376% $0.00  
5yr HI FX (Other) 5.490% 6.203% $0.00  
Rates are subject to change without notice.
Rates last updated on 10/10/2018.
Smart Financial Credit Union NMLS #456807 NMLS #291888
6051 North Course Drive Ste 100, Houston, TX  77072
Office:  (713) 407-1830
Fax:  (713) 407-1727
mortgagelending@smartcu.org
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