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Submitted URL: https://shaun.texastechfcu.org/
Effective URL: https://www.texastechfcu.org/borrow/home-loans
Submission: On March 29 via automatic, source certstream-suspicious — Scanned from DE
Effective URL: https://www.texastechfcu.org/borrow/home-loans
Submission: On March 29 via automatic, source certstream-suspicious — Scanned from DE
Form analysis 5 forms found in the DOM
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<a href="https://internetbanking.texastechfcu.org/tob/live/usp-core/app/register" target="_blank">Sign Up</a>
<a href="https://internetbanking.texastechfcu.org/tob/live/usp-core/app/authUpdate" target="_blank">Forgot Username or Password?</a>
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<div class="hs_loan_type hs-loan_type hs-fieldtype-select field hs-form-field span6" data-reactid=".hbspt-forms-0.1:$0"><label id="label-loan_type-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class="input-label"
placeholder="Enter your Which type of loan do you need?" for="loan_type-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" data-reactid=".hbspt-forms-0.1:$0.0"><span data-reactid=".hbspt-forms-0.1:$0.0.0">Which type of loan do you need?</span></label>
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<div class="input" data-reactid=".hbspt-forms-0.1:$0.$loan_type">
<div class="selectric-wrapper selectric-hs-input">
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<option value="" disabled="" selected="" data-reactid=".hbspt-forms-0.1:$0.$loan_type.0.0">Please Select</option>
<option value="Personal Loan" data-reactid=".hbspt-forms-0.1:$0.$loan_type.0.1:$Personal Loan">Personal Loan</option>
<option value="Auto Loan" data-reactid=".hbspt-forms-0.1:$0.$loan_type.0.1:$Auto Loan">Auto Loan</option>
<option value="Boat Loan" data-reactid=".hbspt-forms-0.1:$0.$loan_type.0.1:$Boat Loan">Boat Loan</option>
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<div class="selectric"><span class="label">Please Select</span><b class="selectArrow">▾</b></div>
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<ul>
<li data-index="0" class="disabled selected">Please Select</li>
<li data-index="1" class="">Personal Loan</li>
<li data-index="2" class="">Auto Loan</li>
<li data-index="3" class="">Boat Loan</li>
<li data-index="4" class="">ATV Loan</li>
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<div class="hs_how_much_are_you_borrowing hs-how_much_are_you_borrowing hs-fieldtype-text field hs-form-field span6" data-reactid=".hbspt-forms-0.1:$1"><label id="label-how_much_are_you_borrowing-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328"
class="input-label" placeholder="Enter your How much are you borrowing?" for="how_much_are_you_borrowing-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" data-reactid=".hbspt-forms-0.1:$1.0"><span data-reactid=".hbspt-forms-0.1:$1.0.0">How much are
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<div class="input" data-reactid=".hbspt-forms-0.1:$1.$how_much_are_you_borrowing"><input id="how_much_are_you_borrowing-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class="hs-input" type="text" name="how_much_are_you_borrowing" value=""
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class="input-label" placeholder="Enter your How long is the loan term?" for="how_long_is_the_loan_term-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" data-reactid=".hbspt-forms-0.1:$2.0"><span data-reactid=".hbspt-forms-0.1:$2.0.0">How long is the
loan term?</span></label>
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<div class="input" data-reactid=".hbspt-forms-0.1:$2.$how_long_is_the_loan_term"><input id="how_long_is_the_loan_term-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class="hs-input" type="text" name="how_long_is_the_loan_term" value=""
placeholder=""></div>
</div>
<div class="hs_what_is_the_interest_rate hs-what_is_the_interest_rate hs-fieldtype-text field hs-form-field span6" data-reactid=".hbspt-forms-0.1:$3"><label id="label-what_is_the_interest_rate-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328"
class="input-label" placeholder="Enter your What is the interest rate?" for="what_is_the_interest_rate-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" data-reactid=".hbspt-forms-0.1:$3.0"><span data-reactid=".hbspt-forms-0.1:$3.0.0">What is the
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<legend class="hs-field-desc" style="display:none;" data-reactid=".hbspt-forms-0.1:$3.1"></legend>
<div class="input" data-reactid=".hbspt-forms-0.1:$3.$what_is_the_interest_rate"><input id="what_is_the_interest_rate-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class="hs-input" type="text" name="what_is_the_interest_rate" value=""
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<div class="hs_total_payments hs-total_payments hs-fieldtype-text field hs-form-field span4" data-reactid=".hbspt-forms-0.1:$4"><label id="label-total_payments-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class=""
placeholder="Enter your Total Payments" for="total_payments-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" data-reactid=".hbspt-forms-0.1:$4.0"><span data-reactid=".hbspt-forms-0.1:$4.0.0">Total Payments</span></label>
<legend class="hs-field-desc" style="display:none;" data-reactid=".hbspt-forms-0.1:$4.1"></legend>
<div class="input" data-reactid=".hbspt-forms-0.1:$4.$total_payments"><input id="total_payments-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class="hs-input calculator-output" type="text" name="total_payments" value="" placeholder=""
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<div class="hs_total_interest hs-total_interest hs-fieldtype-text field hs-form-field span4" data-reactid=".hbspt-forms-0.1:$5"><label id="label-total_interest-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class=""
placeholder="Enter your Total Interest" for="total_interest-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" data-reactid=".hbspt-forms-0.1:$5.0"><span data-reactid=".hbspt-forms-0.1:$5.0.0">Total Interest</span></label>
<legend class="hs-field-desc" style="display:none;" data-reactid=".hbspt-forms-0.1:$5.1"></legend>
<div class="input" data-reactid=".hbspt-forms-0.1:$5.$total_interest"><input id="total_interest-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class="hs-input calculator-output" type="text" name="total_interest" value="" placeholder=""
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<div class="hs_estimated_payment hs-estimated_payment hs-fieldtype-text field hs-form-field span4" data-reactid=".hbspt-forms-0.1:$6"><label id="label-estimated_payment-a60e79b8-4a2e-4f7e-9fde-9d9b42dc7f24_5328" class=""
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Jumbo Mortgages, or non-conforming mortgages, exceed the guideline limits
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CONVENTIONAL
The most popular category of mortgage loans, conventional loans generally have
fixed interest rates and terms. These loans are not insured by the government,
and are usually established with larger down payments than some of the other
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REFINANCING OPTIONS
A refinanced mortgage pays off and replaces your old mortgage, and allows you to
pay the remaining balance based on a new agreement. Refinancing can provide a
number of benefits, such as lower monthly payments, a lower interest rate, the
ability to get cash out of your home's equity, and a shorter loan term.
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FHA and VA loans are insured by the Federal Housing Administration and the U.S.
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case of mortgage default, but do not lend money. FHA and VA loans allow
borrowers to spend a higher percentage of their monthly income on debt than
conventional loans.
JUMBO MORTGAGES
Jumbo Mortgages, or non-conforming mortgages, exceed the guideline limits
established by Fannie Mae and Freddie Mac. These loans offer borrowers who have
low debt-to-income ratios and high credit scores an option to purchase an
expensive luxury home.
CONVENTIONAL
The most popular category of mortgage loans, conventional loans generally have
fixed interest rates and terms. These loans are not insured by the government,
and are usually established with larger down payments than some of the other
mortgage loan alternatives.
REFINANCING OPTIONS
A refinanced mortgage pays off and replaces your old mortgage, and allows you to
pay the remaining balance based on a new agreement. Refinancing can provide a
number of benefits, such as lower monthly payments, a lower interest rate, the
ability to get cash out of your home's equity, and a shorter loan term.
FHA/VA LOANS
FHA and VA loans are insured by the Federal Housing Administration and the U.S.
Department of Veterans Affairs. The FHA and VA will back qualified lenders in
case of mortgage default, but do not lend money. FHA and VA loans allow
borrowers to spend a higher percentage of their monthly income on debt than
conventional loans.
JUMBO MORTGAGES
Jumbo Mortgages, or non-conforming mortgages, exceed the guideline limits
established by Fannie Mae and Freddie Mac. These loans offer borrowers who have
low debt-to-income ratios and high credit scores an option to purchase an
expensive luxury home.
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qualified professionals about your financial situation.
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This profile adjusts the website, so that it is accessible to the majority of
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keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such
as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics)
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installed on the blind user’s computer and smartphone, and websites should
ensure compatibility with it.
Note: This profile prompts automatically to screen-readers.
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Accessibility StatementCompliance status
We firmly believe that the internet should be available and accessible to anyone
and are committed to providing a website that is accessible to the broadest
possible audience, regardless of ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web
Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA
level. These guidelines explain how to make web content accessible to people
with a wide array of disabilities. Complying with those guidelines helps us
ensure that the website is accessible to blind people, people with motor
impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as
accessible as possible at all times. We utilize an accessibility interface that
allows persons with specific disabilities to adjust the website’s UI (user
interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the
background and optimizes its accessibility level constantly. This application
remediates the website’s HTML, adapts its functionality and behavior for
screen-readers used by blind users, and for keyboard functions used by
individuals with motor impairments.
If you wish to contact the website’s owner please use the website's form
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet
Applications) technique, alongside various behavioral changes, to ensure blind
users visiting with screen-readers can read, comprehend, and enjoy the website’s
functions. As soon as a user with a screen-reader enters your site, they
immediately receive a prompt to enter the Screen-Reader Profile so they can
browse and operate your site effectively. Here’s how our website covers some of
the most important screen-reader requirements:
1. Screen-reader optimization: we run a process that learns the website’s
components from top to bottom, to ensure ongoing compliance even when
updating the website. In this process, we provide screen-readers with
meaningful data using the ARIA set of attributes. For example, we provide
accurate form labels; descriptions for actionable icons (social media icons,
search icons, cart icons, etc.); validation guidance for form inputs;
element roles such as buttons, menus, modal dialogues (popups), and others.
Additionally, the background process scans all of the website’s images. It
provides an accurate and meaningful image-object-recognition-based
description as an ALT (alternate text) tag for images that are not
described. It will also extract texts embedded within the image using an OCR
(optical character recognition) technology. To turn on screen-reader
adjustments at any time, users need only to press the Alt+1 keyboard
combination. Screen-reader users also get automatic announcements to turn
the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with popular screen readers such as JAWS,
NVDA, VoiceOver, and TalkBack.
2. Keyboard navigation optimization: The background process also adjusts the
website’s HTML and adds various behaviors using JavaScript code to make the
website operable by the keyboard. This includes the ability to navigate the
website using the Tab and Shift+Tab keys, operate dropdowns with the arrow
keys, close them with Esc, trigger buttons and links using the Enter key,
navigate between radio and checkbox elements using the arrow keys, and fill
them in with the Spacebar or Enter key.
Additionally, keyboard users will find content-skip menus available at any
time by clicking Alt+2, or as the first element of the site while navigating
with the keyboard. The background process also handles triggered popups by
moving the keyboard focus towards them as soon as they appear, not allowing
the focus to drift outside.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F”
(forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Disability profiles supported on our website
* Epilepsy Safe Profile: this profile enables people with epilepsy to safely
use the website by eliminating the risk of seizures resulting from flashing
or blinking animations and risky color combinations.
* Vision Impaired Profile: this profile adjusts the website so that it is
accessible to the majority of visual impairments such as Degrading Eyesight,
Tunnel Vision, Cataract, Glaucoma, and others.
* Cognitive Disability Profile: this profile provides various assistive
features to help users with cognitive disabilities such as Autism, Dyslexia,
CVA, and others, to focus on the essential elements more easily.
* ADHD Friendly Profile: this profile significantly reduces distractions and
noise to help people with ADHD, and Neurodevelopmental disorders browse,
read, and focus on the essential elements more easily.
* Blind Users Profile (Screen-readers): this profile adjusts the website to be
compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A
screen-reader is installed on the blind user’s computer, and this site is
compatible with it.
* Keyboard Navigation Profile (Motor-Impaired): this profile enables
motor-impaired persons to operate the website using the keyboard Tab,
Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M”
(menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to
jump to specific elements.
Additional UI, design, and readability adjustments
1. Font adjustments – users can increase and decrease its size, change its
family (type), adjust the spacing, alignment, line height, and more.
2. Color adjustments – users can select various color contrast profiles such as
light, dark, inverted, and monochrome. Additionally, users can swap color
schemes of titles, texts, and backgrounds with over seven different coloring
options.
3. Animations – epileptic users can stop all running animations with the click
of a button. Animations controlled by the interface include videos, GIFs,
and CSS flashing transitions.
4. Content highlighting – users can choose to emphasize essential elements such
as links and titles. They can also choose to highlight focused or hovered
elements only.
5. Audio muting – users with hearing devices may experience headaches or other
issues due to automatic audio playing. This option lets users mute the
entire website instantly.
6. Cognitive disorders – we utilize a search engine linked to Wikipedia and
Wiktionary, allowing people with cognitive disorders to decipher meanings of
phrases, initials, slang, and others.
7. Additional functions – we allow users to change cursor color and size, use a
printing mode, enable a virtual keyboard, and many other functions.
Assistive technology and browser compatibility
We aim to support as many browsers and assistive technologies as possible, so
our users can choose the best fitting tools for them, with as few limitations as
possible. Therefore, we have worked very hard to be able to support all major
systems that comprise over 95% of the user market share, including Google
Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS, and NVDA
(screen readers), both for Windows and MAC users.
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their
needs, there may still be pages or sections that are not fully accessible, are
in the process of becoming accessible, or are lacking an adequate technological
solution to make them accessible. Still, we are continually improving our
accessibility, adding, updating, improving its options and features, and
developing and adopting new technologies. All this is meant to reach the optimal
level of accessibility following technological advancements. If you wish to
contact the website’s owner, please use the website's form
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