Limited Time Offer:
Homebuyer Rate Reward
Score a Special .25% Rate Discount for Your Primary Home Purchase!

No down payment required

No mortgage insurance required

Quick and easy pre-approval process
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
Need to check rates or get a pre-approval started? 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
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. $806,500 maximum loan amount. Rates shown are based on a $300,000 loan amount with a 740 FICO credit score.
2Homebuyer Rate Reward: This limited time offer applies to primary residential purchase loans only. The 0.25% rate reduction is applied at the time an executed contract is received. Rate adjustment is documented as “Rate Incentive.” Terms and conditions apply. Please contact us for further details
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval including credit approval.