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Members Choice Mortgage

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.

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Homebuying 101 Online Seminar

Explore our videos for detailed information on the application process, credit, different mortgage types, and mortgage terms.

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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

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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
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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.2

  • No mortgage insurance required
  • Zero down payment, up to 100% financing available
  • Low closing costs
  • 15/20/30-year terms

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Home Equity Loans

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.
  • Borrow up to 80% of your homes fair market value
  • 1st or 2nd lien position options available
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Complete Full Service Mortgage Loan Option List

Fixed-Rate Mortgage Purchases 

Find the best fixed-rate home loan for your situation, and get a competitive rate. We also offer 100% financing options.

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FlexChoice Convertible Mortgage Purchases

The flexible choice to buy a home today with an adjustable-rate, and convert to a fixed-rate later.

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Adjustable-Rate Mortgage Purchases

A home loan that offers lower starting rates so you can afford to buy a home sooner, and get more home for your budget. 

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Jumbo Mortgage Loans

Access loan amounts starting at $766,551 and going up to $1,000,000 with our Jumbo Mortgage Loans.

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Home Equity Loans

Home equity loans allow you to borrow against the equity you've built in your home. Use the cash wherever you need it.

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Texas Land Loans

With our lower down payment option, your dreams of owning recreational land in Texas can be a reality

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Meet The Team

 
Roseanna West

Roseanna West

VP of Mortgage Origination
NMLS# 283721
Eric Gonzalez

Eric Gonzalez

Mortgage Loan Officer
NMLS# 1889685
Katerine Tejada

Katerine Tejada

Mortgage Loan Officer
NMLS# 1812269
Shawna Williams

Shawna Williams

Mortgage Loan Officer
NMLS# 879524

Have a Specific Home Buying Question?

Reach out to one of our knowledgable Mortgage Loan Officers with your question.

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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