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.
Homebuying 101 Seminar: From Pre-Approval to Keys in Hand
Thinking about buying a home? Mastering the process with Homebuying 101 will give you the knowledge and confidence to make smart decisions. Join ourfree seminaras we break down the entire process—from understanding mortgage options to improving your credit scoreandgetting the best financing terms.
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.
Featured Mortgage Loan Options
Featured
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.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.
*APR=Annual Percentage Rate. Mortgage Rates as of February 7, 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. Rates shown are based on a $300,000 loan amount with a 740 FICO credit score.
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. Rates shown are based on a $300,000 loan amount with a 740 FICO credit score.
