Karen Hornby, Mortgage Loan Officer at UFCU

Making Homeownership Easier

We strive to lead the way when it comes to making sure every Member of our community has a path to homeownership. It is with this in mind that we continually listen, respond, and provide what you need to help you live the life you want to live. In this way, we not only serve you, but contribute to the well-being of our communities.

When you’re ready to invest in your next home, our UFCU Mortgage Services^TM experts are ready to help you find the best mortgage.

Note: UFCU’s lending area includes Texas properties only.

About Me

I have spent my entire career in the mortgage industry, and once I started working as a loan officer, I was hooked. I am passionate about helping people achieve their goals of home ownership and understand that a home is a very special place. Becoming a homeowner is an exciting process, and at the same time can be a bit stressful and overwhelming as it is typically the largest liability that we will incur during our lifetimes. With more than 25 years of experience, I am familiar with all aspects of the mortgage loan process and am committed to taking the time with my clients to explain the process. There are many factors to consider when getting a mortgage loan, whether you are purchasing or refinancing your home. I will help you consider all your options so you can make the best decision for your needs. My goal is to make the loan process easy for my clients; from application to closing. I am with you every step of the way. You can count on my expertise to provide you with useful and reliable information to assist you during the process. I look forward to assisting you with any of your mortgage needs.

I live in the Clear Lake area of Houston with my Golden Retriever and serve on the Board of Adjustment for the City of Nassau Bay. I enjoy entertaining friends and family, cooking, gardening, and boating.

Testimonials

“Karen was awesome! So helpful with everything! She was always a phone call or text away and always got back to me super-fast.”
Johnny and Crystal

“Karen is fantastic. This is second time I’ve worked with her. She is extremely knowledgeable and responsive.”
Janna and Christian

“Thank you so much Karen, we were lucky to have you by our side and feel the support of your organization in our first home-buying experience. Thanks again for accommodating our needs and for all your guidance.”
Omar, Galveston

“Working with UFCU has been an amazing experience, much easier than my past refi.”
Linda, Cedar Park

“Thank you so much for all your help during this process! Working with you was such a pleasure. Having you guide us through the process made it so much easier and less stressful. I can’t imagine doing it without you.”
Kendall

Calculator

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Period	Payment	Interest	Principal	Interest to Date	Principal to Date	Loan Balance

Calculator is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

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Rates

Our rates are competitive and change frequently to reflect the most up-to-date market values-so you can trust that you're getting the best rates we can offer, no matter what. Keep in mind that our rates are subject to change without notice.