Lower payments. Better terms.


Why pay more when you can pay less? By refinancing your mortgage, you can take advantage of our competitive interest rates to lower your monthly payments or pay off your home sooner. Alongside our mortgage lending partner, SWBC Mortgage, we offer affordable financing to help you reduce your mortgage expenses and save money. You can apply online, using the Turnkey™ mortgage application portal or work directly with an experienced originator. Either way, we're here for you!

Meet JP


JP Watkins is a premier mortgage loan originator and is happy to offer individual guidance to help make the process as easy as possible for you.

Direct: (713) 676-5250
Email: Mortgage@FSCU.com


NMLS# 220598

New to Mortgage Refinancing?

If you are considering refinancing your home loan, there's a lot you must consider. That's why we've created an introduction to mortgage refinancing to help you make the right decision for your financial future.


Mortgage Refinancing Features

    Low Rates

    Enjoy a competitive rate on your home loan

    Lower Payment

    Take advantage of a better terms to lower your monthly payment.

    Better Terms

    Pay off your home sooner.

    Simple Loan Processing

    Enjoy a quick approval and closing.

    Personal Service

    Our experienced mortgage advisors will guide you through the process.

Should I refinance?

See what your savings could be with our refinance calculator.

When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs. The calculated results depend on how long you plan to keep this property.