Mortgage Resource Center

Welcome to OSFCU!

Welcome to your One Source FCU Mortgage Resource Center! Here you will find everything you need in ONE place to help you step by step during your mortgage loan process here and only here at ONE Source, of course! 

Whether you are a first-time home buyer, looking to refinance your existing home loan, looking to purchase a new home or looking for a second home, One Source FCU will be there to help you every step of the way! So, stop dreaming and start living in your new home. One Source Federal Credit Union will help you find the mortgage solution that works for your budget and lifestyle.

One Source FCU offers mortgage loans for primary residence, or second homes in El Paso, TX and Las Cruces, NM. Let One Source help make your house a home! 

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Mortgage Products

+ Conventional 10, 15, 20, 30 Year Fixed Rate

+ FHA 15 and 30 Year Fixed Rate

+ VA (Veterans Administration) 15 and 30 Year Fixed Rate

+ Home Possible

+ HomeReady

+ Adjustable Rate Mortgages (ARMs)

Credit Loan Information

All mortgage programs feature basic credit requirements, including credit score minimums. Your credit score, as well as the information on your credit report, are key factors in determining whether you'll be able to get a mortgage. Errors on your credit report can affect your score, so it's important to check your credit report and correct any errors before applying for a loan. Credit score is only one component in a mortgage lenders decision, other factors include: the amount of debt you already have, your total assets, your current income, how much you have in savings, and more.

We offer a variety of loan programs for borrowers with less than ideal credit. Many government mortgage programs feature flexible credit and qualification requirements, addressing some of the most common obstacles homebuyers face when purchasing a home. We recommend requesting and reviewing a free copy of your credit report and if there are errors, resolving them before starting your mortgage application.

Annual Credit Report

Consumer Financial Protection Bureau (CFPB)

Mortgage Options and our Closing Cost Assistance Program

Take advantage of our One Source Closing Cost Assistance Program, and ONLY at One Source of course! One Source will help you with your closing cost, UP TO $4,000. Click on the tabs below for more information. One Source is YOUR Mortgage Source, One Source of course!

Mortgage Loans
Mortgage Closing Costs

"I wanted to send this email letting you know that Karina Hernandez did an exceptional job during the mortgage process. She was always quick to help us and followed up with us consistently. We were very happy with the whole process and Karina made it even better. I would highly recommend Karina to others for their mortgage needs and hope to do so in the future. Thank you!"

- Rachel Ludeman

They did an excellent job of helping us refinance our home... very great personal service, very accommodating." View his full testimonial

- Victor Apodaca

*Offer good on approved credit. Certain restrictions apply. Down Payment Assistance Program to save up to $4,000 in select costs does not cover mortgage insurance, seller paid closing costs, discount points, or pre-paids and reserves. The program is for conventional 15 and 30 year term mortgages only and NOT valid for FHA or VA loans. Minimum loan amount to qualify is $100,000. Maximum loan amount to qualify is $250,000. Closing costs may vary based on transaction. Cannot be combined with any other offer. One Source is an Equal Housing Lender.
One Source FCU NMLS ID:1505224

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*All interest rates displayed are subject to change. Please contact us for current rates. Your actual interest rate will be determined at the time an interest rate lock is completed.