Mortgage Loans

Get up to $500 off closing costs for first-time homebuyers.

Homeownership is possible with Hope Credit Union.

Home Loans

Rates as low as

6.979%APR2

6.979% APR 2

Make Homeownership Happen with a HOPE Home Loan2

Affordable loans to buy or refinance your home

With tailored home loan solutions, down payment assistance, and special programs for first-time buyers, Hope Credit Union makes homeownership happen across the Deep South. Whether you’re buying a home or refinancing an existing mortgage, our lending professionals are ready to help you, too, regardless of your income or credit. We’ll work closely with you to get to know your financial situation and find the mortgage that’s right for you and your budget.

Speak with our team. Request more information.

Mortgage Contact Form

Name(Required)

Make Homeownership Happen with a HOPE Home Loan1

Affordable loans to buy or refinance your home

With tailored home loan solutions, down payment assistance, and special programs for first-time buyers, Hope Credit Union makes homeownership happen across the Deep South. Whether you’re buying a home or refinancing an existing mortgage, our lending professionals are ready to help you, too, regardless of your income or credit. We’ll work closely with you to get to know your financial situation and find the mortgage that’s right for you and your budget.

Choose the Loan That’s Right for You

Get to know the folks working to help you get home.

Our mortgage loan officers are friendly, caring professionals and are ready to be your partner in the homeownership process.

Their experience and expertise will help you understand exactly what’s happening with the mortgage process and help you find the right home loan solution.

When you want to know more about homeownership, contact us to learn how easy it is to get started. 

Name Area Served Phone Meet & Apply
Teresa Beach - HOPE Mortgage Loan Originator Teresa Beach
NMLS #654968
Greater Memphis, TN 901-409-9030 Contact Us
Dana Carthen
NMLS #289656
South Alabama 251-583-9654 Contact Us
Destiny K. Coleman
NMLS #2378943
Greater Little Rock, AR 501-400-6784 Contact Us
Picture of Kenneth Green - HOPE Mortgage Loan Originator Kenneth Green
NMLS #155907
Nashville and Western Tennessee 615-477-3430 Contact Us
Satasha Green
NMLS #1775598
Greater Jackson, MS 601-622-2499 Contact Us
Paula Lawson
NMLS #58285
Greater Jackson, MS 601-940-0593 Contact Us
Eddie McKenzie - HOPE Mortgage Loan Originator Eddie McKenzie
NMLS #1677367
South Mississippi 769-867-7919 Contact Us
Miranda Miller
NMLS #1726120
Greater Memphis, TN 901-596-1097 Contact Us
Rose O'Malley - HOPE Mortgage Loan Originator Rose O’Malley
NMLS #743402
Greater Memphis, TN 901-277-0064 Contact Us
Aura Rivas
NMLS #874735
Greater New Orleans, LA 504-908-2872 Contact Us
Picture of Shannon Smallman - HOPE Mortgage Loan Originator Shannon Smallman
NMLS #893450
Mississippi Coast 228-296-9191 Contact Us
Sharonda Sullivan
NMLS #1057334
Central Alabama O: 659-281-4284
M: 205-777-2024
Contact Us
Jennifer Sumrall
NMLS #1993594
South and Coastal Mississippi 601-577-0864 Contact Us
Picture of Alexandria Thompson - HOPE Mortgage Loan Originator Alexandria Thompson
NMLS #2418245
Mississippi Delta and Greater Jackson, MS 601-398-6568 Contact Us
Joyce Washington - HOPE Mortgage Loan Originator Joyce Washington
NMLS #1983689
Greater Jackson, MS 601-238-9223 Contact Us

Choose the Best Home Loan for You

Mortgage Purchase

Buy your first or next home with a HOPE mortgage. We offer affordable terms and you may qualify for 100% financing with no down payment. Our team can also connect you to down payment assistance programs.

Mortgage Refinance

Lower your monthly mortgage payment and pay less for your home in the long run when you refinance your mortgage with HOPE’s low-rate options.

3 Easy Ways to Get Started

Brighter futures begin with HOPE: We make it easy to start yours.

1

Visit a Home Loan Specialist

Connect with one of our experts in your area and complete an application with a representative.

2

Call us

Our friendly and knowledgeable team is ready to answer your questions and assist you with your loan application.

3

Get Started

Begin by submitting your information today and be on the way to your new home.

1

Visit a Home Loan Specialist

Connect with one of our experts in your area and complete an application with a representative.

2

Call us

Our friendly and knowledgeable team is ready to answer your questions and assist you with your loan application.

3

Get Started

Begin by submitting your information today and be on the way to your new home.

1

Visit a Home Loan Specialist

Connect with one of our experts in your area and complete an application with a representative.

2

Call us

Our friendly and knowledgeable team is ready to answer your questions and assist you with your loan application.

3

Get Started

Begin by submitting your information today and be on the way to your new home.

Previous slide
Next slide

1

Visit a Home Loan Specialist

Connect with one of our experts in your area and complete an application with a representative.

2

Call Us

Our friendly mortgage originators are ready to assist you with your loan application.

3

Take the Next Step

Begin by submitting your information today and be on the way to your new home.

Brighter futures begin with Hope Credit Union.

Brighter futures begin with Hope Credit Union.

Why Apply for a Home Loan with Hope Credit Union?

Hope Icons-01-Money

Flexible lending

There’s more to you than your credit score. We offer special loans for those with lower credit scores and limited income.

Hope Icons-03-Graph

Lower Fees

Buying a home is expensive enough. We work to keep fees and costs low to save you money on any home purchase or refinance loan.

Hope Icons-02-Rates

No/low down payments

With a HOPE loan, you may be able to buy a home with no money down on loans of up to $350,000, or as little as 3% down for loans of up to $425,000. Borrowers may qualify for down payment assistance based on the availability and qualifications of programs in specific locations.
Hope Icons-04-Calculator

Expert Support

Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.

Hope Icons-01-Money

Flexible lending

There’s more to you than your credit score. We offer special loans for those with lower credit scores and limited income.

Hope Icons-03-Graph

Lower Fees

Buying a home is expensive enough. We work to keep fees and costs low to save you money on any home purchase or refinance loan.

Hope Icons-02-Rates

No/low down payments

With a HOPE loan, you may be able to buy a home with no money down on loans of up to $350,000, or as little as 3% down for loans of up to $425,000. Borrowers may qualify for down payment assistance based on the availability and qualifications of programs in specific locations.
Hope Icons-04-Calculator

Expert Support

Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.

Hope Icons-01-Money

Flexible lending

There’s more to you than your credit score. We offer special loans for those with lower credit scores and limited income.

Hope Icons-03-Graph

Lower Fees

Buying a home is expensive enough. We work to keep fees and costs low to save you money on any home purchase or refinance loan.

Hope Icons-02-Rates

No/low down payments

With a HOPE loan, you may be able to buy a home with no money down on loans of up to $350,000, or as little as 3% down for loans of up to $425,000. Borrowers may qualify for down payment assistance based on the availability and qualifications of programs in specific locations.
Hope Icons-04-Calculator

Expert Support

Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.

Previous slide
Next slide
Hope Icons-01-Money

Flexible Lending

There’s more to you than your credit score. We offer special loans for those with lower credit scores and limited income.

Hope Icons-02-Rates

No/Low Down Payments

With a HOPE loan, you may be able to buy a home with no money down on loans of up to $350,000, or as little as 3% down for loans of up to $425,000. Borrowers may qualify for down payment assistance based on the availability and qualifications of programs in specific locations.
Hope Icons-03-Graph

Lower Fees

Buying a home is expensive enough. We work to keep fees and costs low to save you money on any home purchase or refinance loan.

Hope Icons-04-Calculator

Expert Support

Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.

Member Success Stories

The power of HOPE enables our members to bank better and live better. See how we’ve empowered their financial success—and how we can help you too.

Frequently Asked Questions

To get started, contact our mortgage lending team or visit a mortgage lending office.

When applying for a home loan like a mortgage, you will need:

  • Tax returns and W-2s
  • Current pay stubs to show proof of income
  • Identification, like a driver’s license or passport
  • Your social security or tax identification number

If you’re looking to refinance your home, you’ll need to provide information about your current mortgage and property details, like when it was built and its appraised value.

With Hope Credit Union, you’ll find a partner ready to guide you through the application process every step of the way. Our lending professionals help members just like you with applications every day to make homeowner goals a reality.

Once your loan application and all related documents are submitted to HOPE’s lending team, you’ll receive a decision on your loan within 48 hours after final review.

Generally, your mortgage payments shouldn’t exceed 28% of your monthly income. Still, there are a lot of factors to consider when determining “how much home” you can afford, including property taxes, existing debts, savings, and your other monthly expenses.

At Hope Credit Union, our lending professionals work closely with you to understand your unique financial situation and establish a homebuying budget. We offer a wide range of mortgages, including down-payment assistance programs and other loans designed for low- to moderate-income families—all to make homeownership possible for the members we serve.

Your first payment is due 30 to 60 days after you receive your loan. You can find your payment due date on your closing documents and your monthly statement.

At Hope Credit Union, we believe in equal access to economic opportunities and seek to provide financial assistance whenever possible. We don’t count medical collections against you, and we can look at nontraditional if your history is limited. Visit us to discuss your specific financial situation and see how we can help.
Paying your loan is easy and convenient. You can pay online using our free electronic banking options with online or mobile devices3, or by phone.

Find a Hope Credit Union Branch Near You

Arba Street Branch

400 Arba Street
Montgomery, AL 36104
P: 334-834-7483
F: 334-834-2803

McGehee Road Branch

3421 McGehee Road
Montgomery, AL 36111
P: 334-604-4110
F: 334-604-4111

College Station Branch

4000 Gray Street, Suite B
College Station, AR 72053
P: 501-490-0646
F: 501-490-0424

Little Rock Branch

8411 I-30
Little Rock, AR 72209
P: 501-562-1060
F: 501-562-1027

Little Rock Mortgage Office

6917 Geyer Springs Road,
Suite #6N
Little Rock, AR 72209
P: 501-400-6784

West Memphis Branch

1114 Missouri Street
West Memphis, AR 72301
P: 870-735-8398
F: 870-732-5447

Central City Branch

1726 O. C. Haley Blvd.
New Orleans, LA 70113
P: 504-527-0688
F: 504-527-0691

Elysian Fields Branch

1635 Elysian Fields Avenue
New Orleans, LA 70117
P: 504-635-4475

Mississippi Coast Branch

188 Porter Avenue
Biloxi, MS 39530
P: 228-374-1554
F: 228-374-3387

Drew Branch

140 West Shaw Avenue
Drew, MS 38737
P: 662-745-0406

Greenville Branch

546 MLK Boulevard North
Greenville, MS 38701
P: 662-378-5744

Itta Bena Branch

120 Humphrey Street
Itta Bena, MS 38941
P: 662-254-0040
F: 662-254-0054

Medical Mall Branch

350 Woodrow Wilson, Suite 370B
Jackson, MS 39213
P: 601-362-8050
F: 601-713-0975

University Boulevard Branch

1748 University Boulevard
Jackson, MS 39204
P: 601-965-7100
F: 601-961-6780

Louisville Branch

16620 Main Street
Louisville, MS 39339
P: 662-773-3550
F: 662-773-3614

Moorhead Branch

917 West Delta Avenue
Moorhead, MS 38761
P: 662-246-8855
F: 662-246-8005

Shaw Branch

134 East Peeler Avenue
Shaw, MS 38773
P: 662-754-2070

Terry, MS Branch

109 West Cunningham Street
Terry, MS 39170
P: 601-878-0773
F: 601-878-9468

Utica Branch

106 East Main Street
Utica, MS 39175
P: 601-991-3336
F: 601-885-2137

West Point Branch

470 Commerce Street
West Point, MS 39773-7993
P: 662-494-7473
F: 662-494-6886

Crosstown Branch

1350 Concourse Avenue, Suite 115
Memphis, TN 38104
P: 901-354-7500
F: 901-354-7501

Harvester Lane Branch

3048 Harvester Lane
Memphis, TN 38127
P: 901-358-4496
F: 901-358-4518

Madison Avenue Branch

1451 Madison Avenue
Memphis, TN 38104
P: 901-721-8124
F: 901-721-8133

Ridgeway Branch

2923 Ridgeway Road
Memphis, TN 38115
P: 901-795-8980
F: 901-794-1872

Request more information.

Mortgage Contact Form

Name(Required)

Disclaimers

1Offer valid on approved loan applications made from April 1 through June 30, 2025.

2Loans are subject to approval.

3Rates effective as of 4/10/25 and subject to change. A 30-year HOPE Affordable Home Program mortgage of $150,000 with an interest rate of 6.625% (6.979% Annual Percentage Rate or “APR”) and a down payment of $0 would have a monthly payment of $1,260.47. This example includes monthly taxes of $150 and insurance premiums of $150. Actual rates and APRs and will vary based on a variety of factors, including credit history and score, loan amount, loan-to-value ratio, property and occupancy type, tax and insurance payments, closing costs, and other factors.

4Wireless carrier data and message rates may apply.