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Mortgage Home Loans

Limited Time Offer:
Homebuyer Rate Reward 

Score a Special .25% Rate Discount for Your Primary Home Purchase!

Take advantage of a .25% lower interest rate on all residential purchase mortgage types.4 Secure your lower rate today and make your homeownership journey even more rewarding.
 
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Get a limited time $1,000 Closing Cost Credit 

For a limited time, homebuyers can qualify for a $1,000 Closing Cost Credit on a new home purchase with us. Ask us for details!5
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Get the best home loan rate for your family

We can help find a home loan with a fixed-rate that works for your family. We also offer ARM loan options for low adjustable rates, or the option to convert from adjustable to fixed at no cost to you.1,2
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Quick and easy pre-approval process

Your personal mortgage loan advisor will help you get pre-approved to make your home buying experience easy and stress-free. Fill out the contact form below to get started today.

Compare Mortgage Home Loan Options
FlexChoice Convertible Mortgage1
Traditional ARM2
Conventional Fixed-Rate3
Min FICO Score 720 620 620
Option to modify After ONE year, you can convert your FlexChoice adjustable-rate mortgage into a fixed-rate mortgage with no fees, to lock in any future mortgage rate decrease – –
Loan Amounts $100,000 to $806,500 $50,000 to $806,500
Loan Terms 5, 7 or 10-year initial ARM terms available; 30-year maximum term 15/20/30-year fixed terms available
Rate Cap Low 1.00% annual rate increase maximum after the initial loan term. –
 

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

Call us at 281.754.1103 to start a new loan by phone


FAQs about Mortgage Home Loans

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 you finding your new home. You can use the pre-approval letter to assure your real estate agent that you are a qualified buyer and that you are looking in the right price range to fit your budget.  Having been pre-approved for a mortgage may also give more weight on any offer you make.
There is not a fee to complete an online application for any of our loan products. 
The Loan Officer will do an interview with you and analyze your completed application, your credit report and an automated underwriting system to determine what documents are needed from you. During the processing and underwriting part of your loan file, other documentation may be required in order to prepare your loan for final approval.







More Mortgage FAQs


Mortgage Resource Center

Free Home Buying Guide

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

Homeowners Insurance with TruStage

Trust our insurance partner to protect your home and everything that’s inside of it. View More on TruStage. 

 

Disclosures

*APR = Annual Percentage Rate.

 

1FlexChoice Convertible Mortgage: Purchase for primary, second, and investment properties in Texas only. Manufactured homes and refinances not allowed. Minimum 720 FICO credit score required for FlexChoice option. Modification rates are based on the current market at the time of conversion. Must be in ARM product for a minimum of one year prior to modification. After one year you have the option to modify your loan to a fixed-rate loan based on the current market rate at that time. No modification fee is charged. $100,000 minimum loan amount. $806,500 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term. Rates shown are based on a $300,000 loan amount with a 740 FICO credit score.

2Adjustable-Rate Mortgage: Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information. Purchase and Rate/Term Refinance for primary, second, and investment properties in Texas only. Manufactured homes and cash-out refinances not allowed. Minimum 620 credit score required. $100,000 minimum loan amount. $806,500  maximum loan amount. 1.00% annual rate increase maximum after the initial loan term.

3Conventional Fixed-Rate Mortgage: Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information. Mortgage home loans are available on residential primary residences and second/vacation properties and investment properties located in Texas. Manufactured homes not allowed. Maximum combined loan to value on primary residences is 95%, on second/vacation homes is 90%, and on investment properties is 85%. $50,000 minimum loan amount. $806,500  maximum loan amount.

4Homebuyer 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

5$1,000 Closing Cost Credit: Offer valid on any residential home purchases with a minimum loan amount of $50,000 and maximum of $806,500. $1,000 Closing Cost Credit is a general lender credit that will be provided on mortgage closing. Certain terms and conditions apply. Cannot be combined with any other offers.
 
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.
 
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.