Others Raised Mortgage Rates. We Raised Eyebrows.

Mortgage rates as low as 5.74% APR* on primary purchases or refinances.

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Raising rates was an option. We passed.

We’ll keep the financing simple and straightforward, so nothing gets in the way of your next move.

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Seriously. Check out these other great benefits and get one step closer to your new front door.

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Peace of Mind Mortgage Program1

If the market dips, your rate can too. One time, no cost.

 

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Forever Rate Discount2

For your primary home purchase or refinance and thathouse warming party.

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Lock 'n Shop Program3

Lock in your rate for 60 days while you shop for your home!  
No take-backs.

Your Forever Rate, Your Forever Savings

A rate drop doesn’t sound like much… until it saves you $20,210. 

For example, on a $343,000 home, lowering your rate from 6.75% to 6.50% APR means thousands back in your pocket! That’s what your forever rate discount can do. That’s new furniture, a few epic vacations, or basically bragging rights for 30 years.

HOMEBUYING:Why Choose Members Choice Mortgage?

  • Our Rates Are So Low, They Make Banks Jealous. Competitive rates + lower closing costs = more money for the stuff that actually matters, like a couch that isn't from college.

  • We're Fast. "Get a Pre-Approval While Your Coffee Is Still Hot" Fast. Get a quote before we pull credit. When you're ready, our pre-approvals help your offer stand out. We'll get you from "interested" to "officially a homeowner" faster than you can say "I have a mortgage."

  • No Bots. Just Humans. You won't have to talk to a robot to get a straight answer. Just our friendly, local team ready to help. We're real people, with real lives, who understand that this isn't just a transaction, it's a huge deal.

*APR=Annual Percentage Rate is accurate as of May 27, 2026 and includes available discounts. Rates are subject to change without notice. Loans subject to credit approval.

1Discretionary, post-closing program; may be changed or discontinued at any time. Terms and conditions apply. One rate review request within 12 months from the note date, subject to eligibility and MCCU approval. No fee to request and no refinance or new application required. If approved, the rate is adjusted to MCCU’s then-current comparable fixed-rate for the same term, effective with the next payment. Eligible for fixed-rate primary residence purchases and rate-and-term refinances only; excludes second homes, investment properties, jumbo loans, land loans, home equity loans, and HELOCs.

2Forever Rate Discount: For primary residence only. Rates and terms are for illustrative purposes only and are subject to change without notice and may end at any time. 0.25% rate reduction is applied when fully executed sales contract is provided. Terms and conditions apply. Ask your mortgage loan officer for details.

3Lock & Shop: For primary and second residence only. Limited time offer. Subject to change without notice. Terms and conditions apply. Ask your mortgage loan officer for details.

About Members Choice Mortgage

Members Choice Mortgage, a turnkey mortgage service from Members Choice Credit Union, is a team of Mortgage Professionals with the resources and tools of a national lender, and the personalized service you would expect from a local partner. With over 30 years of combined experience helping families finance their home, we are trusted mortgage lenders in Houston. NMLS#502619


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

About Members Choice Credit Union

We are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 85 years, we've been dedicated to empowering families across Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Become a member today to unlock access to all member benefits.

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