Need help getting started? Give us a call at (409) 726-2126

Step 1: Compare Mortgage Rates as Low as:

Rates effective August 27, 2019


3.00% APR*

  • Maximum Refinance LTV is 90%
  • Maximum Purchase Money LTV is 95%


3.375% APR*

  • Maximum Refinance LTV is 90%
  • Maximum Purchase Money LTV is 95%


3.75% APR*

  • Maximum Refinance LTV is 90%
  • Maximum Purchase Money LTV is 95%


3.875% APR*

  • Maximum Refinance LTV is 90%
  • Maximum Purchase Money LTV is 95%

*APR = Annual Percentage Rate. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Step 3: Get Prepared to Buy Your House.

credit report

Credit Report

Your credit score is based upon your spending, payment, and credit history. It is represented by a number between 300 to 850. The higher your credit score is, the easier it can be to get approved for your mortgage.

How to get prepared: We recommend you get a free yearly credit report to learn what your credit score is before applying for your mortgage.

job stability

Job Stability

We prefer to see a pattern of proven income from employment stability. 

How to get prepared: Try to apply for your home loan when you have been employed at your current job for at least two years. If it's less than that, don't worry as we look at your entire employment history during the mortgage approval process.

down payment

Down Payment

The initial money you pay on the total cost of your house is known as your down payment.  At DuGood, you can get up to 95% Conventional financing, which means you must have at least 5% of the sales price as down payment.

How to get prepared: Take time to save your money before buying a home as a larger down payment can help save you thousands of dollars in the long run.

debt to income ratio

Debt-to-Income Ratio

Your debt-to-income (DTI) ratio is calculated from how much of your total monthly income (before taxes are taken out) goes towards paying off your debt. This helps us to understand what percentage of your income will go towards your home loan.   

Ways To Pay Your Loan

Pay by Mail

DuGood FCU
P.O. Box 12899
Beaumont, TX 77726


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Meet Our Mortgage Team


Sandra Bickham
VP Mortgage Lending
(409) 726-2107


Susan Benoit
Mortgage Operations Manager
(409) 726-2115


Sandra Flanigan
Senior Mortgage Lender
(409) 726-2104


Sandy Ferrell
Senior Mortgage Lender
(409) 726-2106


Holly Barlow
Mortgage Loan Servicer


Candy Pitts
Mortgage Loan Processor
(409) 726-2111

Get answers to frequently asked questions

Download our free Home Buyer's Guide

It breaks down the home buying process step by step! Inside you'll learn what to look for in your future home, tips for getting the best inspection, what to expect during closing, and more!

Home Buyer's Guide