Purchase your new home with zero down payment
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No down payment required
![icon-gold home symbol](/assets/files/TUwRtj7I/icon_red_cash_in_hand.png)
No mortgage insurance required
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Local loan servicing and advice
Making homeownership more affordable
Stop paying rent and start building equity
No down payment required to help you buy a home sooner
Gain more buying power with no mortgage insurance requirement
Get started with an estimated rate quote – No credit pull required
Fill out the short form below to get a call back from a Mortgage Loan Officer within the next business day.
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FAQs about 100% Financing Fixed-Rate Mortgage Loans
Our promise is to provide a high level of service and work in your best interests:
- We have personalized customer service that aims to meet your personal needs
- Our member service team offers a local person to talk to and provide faster service
- You're a member, not just a number
- We try to make the home buying experience a great one – easy and stress-free
- We’ll never sell your loan and will retain servicing for the life of the loan
Mortgage Resource Center
Free Home Buying Guide
“Your Home Loan Toolkit” can help you shop for a mortgage with confidence
Written by the Consumer Financial Protection Bureau (CFPB), this toolkit serves as a step-by-step guide to help you find your best mortgage.
Disclosures
APR = Annual Percentage Rate.
1100% 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. $726,200 maximum loan amount. Rates shown are based on a $300,000 loan amount with a 740 FICO credit score.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and lending products are subject to approval including credit approval.