Can I pay my mortgage with a credit card? You can take a cash advance from your credit card, and then use the cash to make the mortgage payment.Choose a reputable mortgage lender in Houston, TX like Texas Bay Credit Union. Our loan officers are here to help you buy your first home. HFCU offers a variety of mortgage options that allow you to tap into your home's equity and take cash out. We help first-time and experienced home buyers get the home of their dreams. Let our friendly and knowledgeable mortgage loan experts work with you. You can make an extra mortgage payment at the end of the year to qualify for a tax break. We've got all the tools you need to help you make the right decisions. Affordability calculator.