Get a Home Loan That Gets You!

Say Yes with Confidence. Get Pre-Approved Today.

LIMITED TIME OFFER: Get a .25% Rate Discount and $1,000 Closing Discount on Your New Home!1,2

Buying a home is a big deal, but getting a mortgage shouldn’t be a headache. Your next move starts with pre-approval, and our team at Members Choice Mortgage makes it easy, breezy, and budget-friendly so you can skip the stress and start unpacking.

GettyImages-2187900466-1x1

Rates That'll Make You Smile

We know that buying a home isn’t your only money goal this year, so we can help you find a low rate to crush all your goals. We'll have you doing your very best happy dance with competitive rates and lower closing costs. Rates are updated daily.2 Give us a call at 281.754.1103, or fill out the form below.

60-Day Lock & Shop: Your Rate, Your Way

Worried about rates playing games while you hunt for your home? Our 60-Day Lock & Shop program lets you lock in your interest rate for two months.6 If rates drop before you close, you can simply re-lock at the lower rate! It's peace of mind for your home-buying journey. Give us a call at 281.754.1103, or fill out the form below.

66-00006D-Mortgage-Purchase-lp-Lock-&-Shop
GettyImages-157694468-1x1

Quick Quotes and
Pre-Approvals

We’ll give you a quick quote before we even peek at your credit, so you know how much home you can afford from the get-go. Plus, when you’re ready for that pre-approval, we’ll guide you through that process and help you make your offer standout.

Local and Friendly Team

Our team will help you find the perfect mortgage for your unique needs and won’t make you talk to a bot. We are local and we care about you.  Ask us about our Choice100 100% Financing and FlexChoice Convertible Mortgages.4,5 Give us a call at 281.754.1103, or fill out the form below.

GettyImages-2184915142-1x1

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.1 Secure your lower rate today and make your homeownership journey even more rewarding.
Inquire Now for Your Rate + Closing Cost Discount

Limited Time Offer: Closing Cost Discount

Get a $1,000 Closing Cost Credit

Get $1,000 off your closing costs for a primary residential purchase. As part of our Helping Heroes program, heroes qualify for an additional $500 for a total $1,500 Closing Cost Credit.2 

Get Your Pre-Approval Now + Discount

Or, 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.

Finally, a home loan that understood the assignment!

We’ve got your back with flexible mortgage options and a team that’s here to guide you every step of the way.

Put your dreams in progress today.

Need help?
You got it. Give us a call at 281.754.1103.

*APR=Annual Percentage Rate. Mortgage Rates as of May 30, 2025. Rates are subject to change without notice. Each application is evaluated on an individual basis.

 

 
1 Homebuyer Rate Reward: This limited time offer applies to primary residential purchase loans only and may end at any time.  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

2 $1,000 Closing Cost Credit: This limited time offer applies to any primary residential home purchases with a minimum loan amount of $50,000 and maximum of $806,500. Offer may end at any time. $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. Members in qualifying Heroic Professions are eligible for an additional $500 Closing Cost Credit.
 
3 Conventional 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.
 
4 100% Financing Fixed-Rate Mortgage: Purchase for primary residence Single Family Home or Townhome located in Texas only. Manufactured homes, and Condominiums not allowed. Our maximum loan-to-value is 100% with a 43% maximum DTI and a minimum 680 FICO. Requires minimum of two years employment in same industry. No history of bankruptcy or foreclosures. Appraisal fee collected at time of ordering. $50,000 minimum loan amount. $806,500 maximum loan amount. Rates shown are based on a $300,000 loan amount with a 740 FICO credit score.

5 FlexChoice 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.

6Lock Shop Program: Limited time offer for mortgage purchases. Subject to change without notice. Terms and conditions apply. Ask your mortgage loan officer for full details.

Members Choice Mortgage 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 the trusted mortgage lenders in Houston to help you with your home or land loan, refinancing your home, or getting extra cash from a home equity loan. Talk to one of our knowledgable Mortgage Loan Officers today to review our low money down payment options.

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

About Members Choice Credit Union
At 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 80 years, we've been dedicated to empowering families across Houston, 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. Join us in discovering your version of "the good life". 

 

Contact Us | Privacy Policy | Terms of Use | Disclosures | Complaint Notice

 

© 2025 Members Choice Credit Union

18211 Katy Freeway, Houston, TX 77094 | NMLS# 502619

 

NCUA EHL 75 White