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Mortgage Rates


Members Choice is Helping Community Heroes

As part of the Helping Heroes Savings Programs, Community Heroes can qualify for a waived $750 processing fee on your Mortgage with us.**

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Mortgage Term Mortgage Type Rates as low as*
5/1 FlexChoice Convertible Adjustable-Rate to Fixed-Rate (after ONE year with no refinancing fees)2 6.213% APR
7/1 FlexChoice Convertible Adjustable-Rate to Fixed-Rate (after ONE year with no refinancing fees)2 6.289% APR
10/1 FlexChoice Convertible Adjustable-Rate to Fixed-Rate (after ONE year with no refinancing fees)2 6.541% APR


FlexChoice Convertible Mortgage2

  • Unique option to convert from an adjustable-rate to a fixed-rate mortgage after ONE year, at no cost
  • Lower adjustable interest rates
  • Initial 5/7/10-year terms with 1% annual rate caps

Adjustable-Rate Mortgage (ARM)3

  • Lower adjustable interest rates
  • 5/7/10-year ARMs with 1% annual rate caps
  • Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information or get a Quick Rate Quote online.

Mortgage Term Mortgage Type Rates as low as*
15-Year First Lien Home Equity4 7.018% APR
20-Year First Lien Home Equity4 7.215% APR
15-Year Second Lien Home Equity4 7.522% APR
20-Year Second Lien Home Equity4 7.720% APR


Home Equity Loans4

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
Mortgage Term Mortgage Type Rates as low as*
10-Year Unimproved Residential Land5 8.325% APR
15-Year Unimproved Residential Land5 8.417% APR
20-Year Unimproved Residential Land5 8.592% APR


Texas Land Loans5

Whether you're looking to buy your very own hunting and fishing spot to enjoy the outdoors with family and friends, or a lot to one day build a retirement home in the country, our loan advisors are here to walk alongside you through the process of your unimproved land loan.
  • 5/10/15 and 20-year fixed terms available
  • Up to 80% LTV for less money down
  • Unimproved land loan amounts from $50,000 up to $500,000







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Disclosures

Mortgage Rates as of February 19, 2024. 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. 
 
*APR=Annual Percentage Rate
**Offer valid on any residence purchases with a minimum loan amount of $50,000 and maximum of $726,200. Certain terms and conditions apply. Cannot be combined with any other offers.

1Conventional Fixed-Rate Mortgage: Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information or get a Quick Rate Quote online. Mortgage home loans are available on residential primary residences and second/vacation properties and investment properties located in Texas. Manufactured homes not allowed. Maximum combined loan to value on primary residences is 95%, on second/vacation homes is 90%, and on investment properties is 85%. $50,000 minimum loan amount. $726,200 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 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. $100,000 minimum loan amount. $726,200 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.
3Adjustable-Rate Mortgage: Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information or get a Quick Rate Quote online. Purchase and Rate/Term Refinance for primary, second, and investment properties in Texas only. Manufactured homes and cash-out refinances not allowed. Minimum 620 credit score required. $100,000 minimum loan amount. $726,200 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term.
4Home Equity Loans: Available on residential primary residences and second/vacation properties. Investment Properties, Manufactured homes, and Condominiums not allowed.  Available for first or second lien position only. Third lien position not allowed. Up to 80% of home’s appraised value minus the current mortgage. $50,000 minimum loan amount. $350,000 maximum loan amount. Rates shown are based on a $100,000 loan amount with an 80% LTF and a 680 FICO credit score.
5Land Loans: Unimproved Residential Land Loans are available on unimproved and rural residential properties located in Texas. Farm & ranch or any income-producing properties are not allowed.  Our maximum loan-to-value is 80% with a 45% maximum DTI. Minimum 680 credit score required. No history of bankruptcy or foreclosures. Full appraisals and title policies are required. $50,000 minimum loan amount. $500,000 maximum loan amount. Rates shown are based on a $150,000 loan amount with an 80% LTV and a 740 FICO credit score.