Purchase your new home without a down payment
No down payment required
No mortgage insurance required
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
Fill out the short form below to get a call back from a Mortgage Loan Officer within the next business day.
Ready to get your mortgage loan started?
Start your Application Online
Apply by Phone
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.
Homeowners Insurance with TruStage
Trust our insurance partner to protect your home and everything that’s inside of it. View More on TruStage.
APR = Annual Percentage Rate.
*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.
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.
TruStage® Auto & Home Insurance Program is made available by TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2018 Liberty Mutual Insurance Company. Liberty Mutual is an equal housing insurer. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC.