Imagine Choosing a Higher Mortgage Rate.
Weird...
Mortgage rates as low as 6.62% APR* on primary purchases or refinances.
Imagine Choosing a Higher Mortgage Rate.
Weird...
Mortgage rates as low as 6.62% APR* on primary purchases or rate and term refinances.
A mortgage with a
little more built in.
From the day you start shopping to the next time you buy, these benefits are designed to make every step easier.
-
Forever Rate Discount¹: For a primary purchase or rate and term refinance, you'll enjoy a rate discount that puts more money back in your pocket!
-
Lock 'n Shop Program²: Like our rate but haven't found the perfect house just yet, no problem! Lock in your rate for up to 60 days and give yourself the extra time you need.
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Your Forever Rate, Your Forever Savings
A discount on your mortgage rate might not 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?
- Competitive Rates. Lower Closing Costs. This means 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 July 27, 2026 and includes available discounts. Rates are subject to change without notice. Loans subject to credit approval.
1Forever 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.
2Lock & 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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