Mortgage Home Loans

Limited Time Offer:
Homebuyer Rate Reward4 

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. Secure your lower rate today and make your homeownership journey even more rewarding.
 
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We'll Help You Find The Mortgage Right for YOU

And while you look for your dream home, take advantage of our 60-Day Lock & Shop5 Program.
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Get the best home loan rate for your family

We can help find a home loan with a fixed- or variable-rate that works for your family.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 $832,750 $50,000 to $832,750
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. ---
Mortgage Rates Visit our Mortgage Rate page.
 

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




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  

 

Disclosures

* APR= Annual Percentage Rate. 

 

1FlexChoice Convertible Mortgage: Purchase for primary, second, and investment properties in Texas only. Manufactured homes and refinances not allowed.  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. $832,750 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term. 

2Adjustable-Rate Mortgage:  Purchase and Rate/Term Refinance for primary, second, and investment properties in Texas only. Manufactured homes and cash-out refinances not allowed. $100,000 minimum loan amount. $832,750  maximum loan amount. 1.00% annual rate increase maximum after the initial loan term.

3Conventional Fixed-Rate Mortgage: Mortgage home loans are available on residential primary residences and second/vacation properties and investment properties located in Texas. Manufactured homes not allowed. $50,000 minimum loan amount. $832,750  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 Lock & Shop:  A limited-time offer for mortgage purchases. Subject to change without notice. Terms and conditions apply. Ask your mortgage loan officer for details. 

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.