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Open Door Mortgage

Come on in if you are a first-time home buyer or have limited down payment options. First Central's Open Door Mortgage program, allows for loans up to 95% of the appraised home value. You'll find low closing costs, no points, and low origination fees. Both primary residence (first lien owner-occupied) mortgage purchases and refinances are eligible for an Open Door Mortgage.

“Opening Doors to Home Ownership”

We want to make home ownership become a reality for you.  You can receive a lower mortgage rate with successful completion of pre-purchase homebuyer counseling -- which is available through First Central and our non-profit collaborator Neighborworks.  With First Central, you receive a discount on your homebuyer counseling course, too!  Down payment assistance may be available through Neighborworks,, an organization that cares deeply about affordable housing and community development and the people who benefit from them.  

First Central Credit Union NMLS # 779833.

  • For first-time homebuyers or primary residence purchases
  • To refinance your current first-lien mortgage and save
  • Financing available up to 95% of appraised value
  • Flexible terms from 10 years up to 30 years  
  • Low closing costs
  • No points
  • Low origination fee
  • Mortgage rate discounts available
  • Make your mortgage payment at any branch 
  • Friendly, experienced loan advisors
  • Central Texas decision-making

Need to provide proof of insurance for your loan? We’ve made it very easy and secure to submit your insurance policy! Click here: My Loan Insurance