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Mortgage Home Loans

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.
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Save today with low money down, low closing costs

Little down, up to 95% financing available, plus, low closing costs to save more.1

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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.1 We also offer ARM loan options for lower adjustable rates.
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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.

Win $250* cash in our monthly mortgage giveaway!

Be entered when you purchase your home with Members Choice Mortgage

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

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

“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.

Your Home Loan Toolkit Guide (PDF)


APR=Annual Percentage Rate
1Conventional Fixed-Rate Mortgage: Rates are issued daily. Please contact a Mortgage Loan Officer at 281.754.1103 for more information or get a Quick Rate Quote online. 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. $726,200 maximum loan amount.
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.