Jumbo Mortgage Loans

Purchase or refinance your dream home – for home values up to $1,000,000

Apply Now

A Jumbo Mortgage Loan from Members Choice Credit Union gives you all of the benefits you’d expect with one of our loans, including a personal loan advisor who will guide you through the entire home buying process. Access loan amounts starting at $548,251 and going up to $1,000,000 with our Jumbo Mortgage Loans.
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Get the very best
interest rate

We’ll help you access the perfect loan with your best rate, so you save money.
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Save today with no money down, low closing costs

$0 down, up to 100% financing available, plus, low closing costs to save more.
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Enjoy personalized,
local service

You’ll have access to the knowledge and information you need to streamline the process.

With a Members Choice Jumbo Mortgage Loan, you’ll get our always-great rates and the high level of personal service you expect from being part of our family.

Current Mortgage Loan example for a $700,000 loan amount, at 80% loan-to-value:

Mortgage Term Rates as low as
15 Year Fixed
2.875% interest rate / 3.036% APR
30 Year Fixed
3.375% interest rate / 3.465% APR

Jumbo Mortgage Loans are also available for homes of $548,251 or more (up to $1,000,000).

Get started with an estimated rate quote – No credit pull required

To get a quick estimated rate quote within 24 hours without a credit pull, please provide the information below to our team.*

Switching your loan is easy and can be started online or over the phone. Apply now to get your rate quote.

Start your Application Online

Then select “Get Started” from the left navigation to apply online.

Apply by Phone or Email

Call us at 281.754.1103 to start a loan application by phone or email mortgagedepartment@mccu.com  

Jumbo Mortgage Loan FAQs

Yes, applying for a mortgage loan before you find a home may be the best thing you could do. When you apply in advance, you are issued a pre-approval letter subject to finding your new home. You can use the pre-approval letter to assure your real estate agent that you are a qualified buyer and look in the right price range to fit your budget. Having been pre-approved for a mortgage may also give more weight to any offer you make.
There is no fee to complete an online application for any of our loan products. If you are applying for a Mortgage (Purchase or Refinance), when the Loan Officer pulls your credit report to begin the pre-approval/loan process, a non-refundable fee of $55.00 is collected. If you apply for a Home Equity or Home Improvement loan, the credit report fee is not applicable. There is no obligation to complete the mortgage or equity process once an application is completed.
Your Loan Officer will interview you and analyze your completed application, your credit report, and an automated underwriting system to determine which documents we’ll need to process your application. During the processing and underwriting part of your loan, other documentation may be required for final approval.
If the home you want to buy is priced above the Conventional or Conforming loan limits set by Fannie Mae and Freddie Mac, you will want a Jumbo Mortgage Loan. These values change every year and are based on location – currently in Texas that is a mortgage starting at $548,251.

More Mortgage FAQs

Mortgage Resource Center

Mortgage Loan Rates

Mortgage rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103.

Homeowners Insurance with TruStage

Home insurance protects your home and what's inside it. It covers you against losses or damage from fire, weather, theft and more. And it protects you from liability if an accident happens on your property. View More on TruStage


APR = Annual Percentage Rate.
Jumbo Mortgage home loans are available on residential primary residences and second/vacation properties and investment properties located in Texas. Manufactured homes not allowed.
*24-Hour turnaround for estimated rate quote is based on request received Mon-Fri during normal business hours. Weekend applications get processed the following business day. Some variances may occur. Estimated rate quote is based on information provided and is subject to change based on credit pull and information provided during the full application process.
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.
About Members Choice Credit Union
At Members Choice, we strive to exceed your expectations. We believe in people-helping-people by providing sound financial solutions and resources, as well as sharing our passion for supporting the community. As a full-service financial institution based in Houston, Texas, we have proudly served the West Houston, Katy, and Cy-Fair areas for over 80 years.