Your Mortgage is Due for a Fitness Check.

Mortgage rates as low as 5.37% APR* on primary purchases or refinances.

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House-hunting or refinancing should be stress-free.

We're here to make the money part easy and painless, so you can focus on the critical details, like which neighbor has the worst lawn.

Seriously. Check out our limited-time offers and get one step closer to your new front door.

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Forever Rate Discount1

For your primary home purchase or refinance and that house warming party.

Let's Do This

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Lock 'n Shop Program2

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

Yes, Of Course!

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.

Ready to find your happily ever after?

Apply now and lock in your savings.

Your New Home Awaits
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We're Honored to Be a Top Credit Union and Mortgage Lender in Houston!

*APR=Annual Percentage Rate is accurate as of February 19, 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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