Mortgage Loans

With interest rates still hovering near all time lows, now is the time to buy the home of your dreams. Together, we can help tailor a new home mortgage to fit your needs.

Our mortgage loan rates change daily.

PTFCU Offers the Following Mortgage Options:

  • Fixed Rate Mortgage
  • Adjustable Rate Mortgage (ARM)
  • And more!

In Addition to Great, Low Rates, You’ll Enjoy:

  • Affordable closing costs
  • Easy application process
  • No prepayment penalties
  • Convenient automatic payment options

Home Refinance

If your current mortgage rate is over 7%, you may be paying too much. Let us save you money by refinancing your home. We may be able to save you hundreds of dollars each month. Apply today before the rates go too high.

  • Our mortgage loan rates change daily.
  • Great, low rates
  • Affordable closing costs
  • Easy application process
  • Multiple loan term options


Home Improvement

Love your home’s location but hate the outdated kitchen? Ready to turn the empty bedroom upstairs into a new media room? Then a low-interest Home Improvement Loan may be perfect for you. But before you call a contractor, there are a few things you need to consider. First, calculate the return on your investment. Some improvements pay off better than others. Bathroom and kitchen renovations provide the greatest return, between 90% and 95%. Decks and home offices hold the low end, between 65% and 70%. Next, look beyond your house to your neighborhood. Will your upgrades put you in a different league – and price range – than your neighbors? Also keep in mind how long you will be in your house. If you’re going to fix it up and sell it in six months, you’ll get all the pain of remodeling and not much gain. But, if you plan to live in the house more than three years, it makes economic sense to remodel.

Since our home loan rates change daily, for the most up-to-date rates, please give us a call at (806) 665-0057.

With a PTFCU Home Improvement Loan, you get:

  • Great, low rates
  • Easy application process
  • Multiple loan term options
  • Finance up to 80% of value


Clipart Of Woman 👩 & Child: Home is where the Office is…School is…Comfort is.

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Contact Info

2500 Perryton Pkwy
Pampa, Texas 79066-0920

Phone: (806) 665-0057
Fax: (806) 665-0533

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What Is An Equal Housing Lender?

As an Equal Housing Lender, Certified Federal Credit Union does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Under this Act, financial institutions are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap or familial status. Under the Federal Fair Housing Act, it is illegal to:
  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property
on the basis of race, color, religion, national origin, sex, handicap or familial status.

Your funds are safe at your federally insured credit union.

All credit unions provide insurance to their members from the National Credit Union Administration (NCUA ), an independent agency of the federal government. This means that your money deposited in a federally insured credit union is insured up to $250,000, similar to the insurance provided by the FDIC (Federal Deposit Insurance Corporation) to banks.

The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA.