Home and Land Loans
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 land, we’re here to help finance it.
Savings for Community Heroes
As part of the Members Choice Credit Union Helping Heroes Savings Programs, Community Heroes can qualify for a waived $750 processing fee on your Mortgage with us.
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, and zero down payment options.
Featured Mortgage Loan Options
FlexChoice Convertible Mortgage
The flexible choice to buy a home today with lower adjustable-rates, and convert to a fixed-rate later.1
- Unique option to convert from an adjustable-rate to a fixed-rate mortgage after 3 years, at no cost or refinancing fees
- Lower adjustable interest rates
- Initial 5/7/10-year terms with 1% annual rate caps
Choice100 Mortgage - 100% Financing
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
- No mortgage insurance required
- Zero down payment, up to 100% financing available
- Low closing costs
- 15/20/30-year terms
Home Equity Loans
- Borrow up to 80% of your homes fair market value
- 1st or 2nd lien position options available
Complete Full Service Mortgage Loan Option List
Meet The Team
Roseanna WestVP of Mortgage Origination
Eric GonzalezMortgage Loan Officer
Katerine TejadaMortgage Loan Officer
Mortgage Loan Officer
1 Purchase for primary, second, and investment properties in Texas only. Minimum 720 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 3 years prior to modification. After 3 years you have the option to modify your loan after three years to a fixed-rate loan based on the current market rate at that time. No modification fee is charged.
2 Purchase for primary residence Single Family Home or Townhome located in Texas only. 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. $726,200 maximum loan amount