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Home and Land Loans

With a Members Choice Home or Land Loan, you’ll get our always-great rates and a high level of personal service


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. Members Choice Credit Union members benefit from an advisor that will guide you through the process and help you find the loan option that fits your needs best.

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Fixed-Rate Mortgage

  • Competitive interest rates
  • Low money down, up to 97% financing available
  • Low closing costs
  • 15/20/30-year terms

100% Financing – Choice100 Mortgage

  • Competitive interest rates
  • Zero down payment, up to 100% financing available
  • Low closing costs
  • 15/20/30-year terms

FlexChoice Convertible Mortgage

  • Unique option to convert from an adjustable-rate to a fixed-rate mortgage after 3 years, at no cost
  • Lower adjustable interest rates
  • Initial 5/7/10-year terms with 1% annual rate caps

Adjustable-Rate Mortgage (ARM)

  • Lower adjustable interest rates
  • 5/7/10-year ARMs with 1% annual rate caps

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Jumbo Fixed-Rate Mortgage

Access loan amounts starting at $726,201 and going up to $1,000,000 with our Jumbo Mortgage Loans.
  • Competitive interest rates
  • Low closing costs
  • Purchase or refinance
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Mortgage Refinancing

Refinancing your mortgage loan with Members Choice can improve your expenses, or allow you to tap into your home's equity with a cash-out refinance to get the funds you need.
  • Low closing costs
  • Save with shorter terms and competitive fixed-rates
  • Cash-out refi option available

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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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Texas Land Loans

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

Have Questions for a Mortgage Loan Officer?

Fill out the short form below to get a call back within the next business day.

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Free Home Buying Guide

Get our guide for finding, buying and financing a new home for yourself or a family member  

Mortgage Account Access

Access your current mortgage loan account with Members Choice Credit Union*

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See What Our Members are Saying!

Throughout the past 36 plus years they have helped me finance numerous vehicles, boats, and also a signature loan to help me get my kids through college. They are very friendly, and respond to my phone calls or emails quickly. Great customer service!
- Alan C.

See What Our Members are Saying!

Their knowledge impressed us so much that we decided to go with MCCU for our auto loans too. If someone wants to have a WOW experience, visit MCCU.
- Nasor U.


Terms and conditions for each mortgage option apply. See details on each individual product by clicking through to the details page.

* The mortgage account access tool is compatible with the following browsers: Internet Explorer 10 & higher, Google Chrome, Safari, and Firefox.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.