Life can be stressful — buying a home doesn’t have to be
Buying a home is exciting, but navigating the mortgage process can be daunting. Members Choice Credit Union members get the benefit of an advisor to guide you through the mortgage process, help you find the best home loan for your situation, and get a competitive rate.
Save today with low money down, low closing costs
Little down, up to 97% financing available, plus, low closing costs to save more.
We also offer 100% financing options.
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 lower adjustable rates.
Knowledge to make the process easier
With our local lending team, you have access to the knowledge and information you need to streamline the process.
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
Can I apply for a loan before I find a property to purchase?
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.
Are there fees charged or any other obligations if I complete the online application?
There is not a fee to complete an online application for any of our loan products.
If you are applying for a Mortgage (Purchase or Refinance), at the time 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 are applying for a Home Equity or Home Improvement loan, the credit report fee not applicable. There is no obligation to complete the mortgage or equity process once an application is completed.
How do you decide what documentation is needed from me to process my loan?
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.
Mortgage Resource Center
“Your Home Loan Toolkit” Guide to help consumers be informed Mortgage shoppers
The Consumer Financial Protection Bureau (CFPB) has developed this toolkit to provide a step-by-step guide for consumers to understand the nature and costs of real estate settlement services, define what affordable means to them, and find their best mortgage. The toolkit features interactive worksheets and checklists, conversation starters for discussions between consumers and lenders, and research tips to help consumers seek out and find important information.
APR=Annual Percentage Rate
Mortgage home loans are available on residential primary residences and second/vacation properties and investment properties located in Texas. Manufactured homes not allowed.
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.