Whether you’re looking to purchase a new home, borrow against the equity you’ve already built in your current home or fulfill your dream of owning your own piece of Texas land, we’re here to help finance it.
Score a Special .25% Forever Rate Discount for Your Primary Home Purchase!
Take advantage of a .25% lower interest rate on all residential purchase mortgage types.3 Secure your lower rate today and make your homeownership journey even more rewarding.
While you search for your dream home, lock in your rate for two months. Ask us for details.
Members Choice Mortgage is a team of Mortgage Professionals with the resources and tools of a national lender, and the personalized service you would expect from a local partner. With over 30 years of combined experience helping families finance their home, we are the trusted mortgage lenders in Houston to help you with your home or land loan, refinancing your home, or getting extra cash from a home equity loan. Talk to one of our knowledgable Mortgage Loan Officers today to review our low money down payment options.
We're a Top Credit Union and Mortgage Lender in Houston!
Members Choice Credit Union was voted a Top Credit Union and Mortgage Lender in Houston in the Houston Chronicle's Best of the Best awards, recognized for our commitment to exceptional service and community focus. Join a credit union that Houston Trusts!
Our 100% financing fixed-rate mortgage loans were designed for homebuyers looking to purchase with no money down. Purchase your new home with zero down payment.1
Our 100% financing fixed-rate mortgage loans were designed for homebuyers looking to purchase with no money down. Purchase your new home with zero down payment.2
Get cash from the equity of your home to pay for home improvements, large purchases, and more. Plus, you can access your home's equity without refinancing your primary mortgage.
Get started with an estimated rate quote – No credit pull required
Need to check rates or get a pre-approval started? Fill out the short form below to get a call back from a Mortgage Loan Officer within the next business day.
*APR=Annual Percentage Rate. Mortgage Rates as of May 30, 2025. Rates are subject to change without notice. Each application is evaluated on an individual basis. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral. Loan advances are not granted based upon method of repayment.
1 100% Financing Fixed-Rate Mortgage: Purchase for primary residence Single Family Home or Townhome located in Texas only. Manufactured homes, and Condominiums not allowed. Our maximum loan-to-value is 100% with a 43% maximum DTI and a minimum 680 FICO. Requires minimum of two years employment in same industry. No history of bankruptcy or foreclosures. Appraisal fee collected at time of ordering. $50,000 minimum loan amount. $806,500 maximum loan amount.
2FlexChoice Convertible Mortgage: Purchase for primary, second, and investment properties in Texas only. Manufactured homes and refinances not allowed. Minimum 720 FICO credit score required for FlexChoice option. Modification rates are based on the current market at the time of conversion. Must be in ARM product for a minimum of one year prior to modification. After one year you have the option to modify your loan to a fixed-rate loan based on the current market rate at that time. No modification fee is charged. $100,000 minimum loan amount. $806,500 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term.
3 Homebuyer Rate Reward: This limited time offer applies to primary residential purchase loans only and may end at any time. The 0.25% rate reduction is applied at the time an executed contract is received. Rate adjustment is documented as “Rate Incentive.” Terms and conditions apply. Please contact us for further details.
4Lock & Shop: A limited time offer for mortgage purchases. Subject to change without notice. Terms and conditions apply. Ask your mortgage loan office for details.
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