Find Your Perfect Mortgage in Minutes
Experience mortgage lending reimagined with colorful tools, transparent rates, and personalized guidance every step of the way.
Explore Your Loan Options
We offer a variety of mortgage solutions tailored to your unique needs and financial goals
Fixed-Rate Mortgage
Lock in your rate for 15, 20, or 30 years with predictable monthly payments
- Competitive interest rates
- Low money down, up to 95% financing
- Low closing costs
- 15/20/30-year terms
Adjustable-Rate Mortgage
Start with lower rates and flexible terms that adjust with market conditions
- Lower initial interest rates
- 5/7/10-year ARM options
- 1% annual rate caps
- Ideal for short-term ownership
FHA/VA Loans
Government-backed loans with low down payments and flexible credit requirements
- Low down payment options
- Flexible credit requirements
- Competitive rates
- Special benefits for veterans
Jumbo Mortgage
Financing for luxury homes with loan amounts from $806,500 to $1,000,000
- High loan amounts
- Competitive jumbo rates
- Purchase or refinance
- Low closing costs
100% Financing
Zero down payment option for qualified buyers on primary residences
- No down payment required
- Competitive interest rates
- Primary residence only
- Minimum 680 credit score
Texas Land Loans
Finance your hobby farm, ranch, or recreational hunting and fishing land across Texas with low down payment options
- Up to 80% LTV financing
- 10% down payment option
- Loan amounts $50,000–$500,000
- 5/10/20-year fixed terms
- Competitive fixed interest rates
- Low closing costs
Home Equity Loans
Tap into your home's equity for renovations, debt consolidation, education, or any major expense with flexible borrowing options
- Borrow up to 80% of home value
- Fixed-rate Home Equity Loans
- Flexible Home Equity Lines of Credit (HELOC)
- Competitive low rates
- Interest may be tax deductible
- Fast local decisions
Mortgage Refinancing
Lower your rate, shorten your term, or tap into your home's equity with a cash-out refinance — no credit pull required for a rate quote
- Secure a lower interest rate
- Reduce monthly payments
- Shorten your loan term
- Cash-out refinancing available
- Convert ARM to fixed-rate
- Quick & easy pre-approval process
- Online account management
- No credit pull for rate quote
FlexChoice Convertible Mortgage
Start with a low adjustable rate and convert to a fixed-rate mortgage after just ONE year — at no cost to you. Flexibility and savings in one smart loan.
- Low initial adjustable rate
- Convert to fixed-rate after 1 year
- No refinancing fees to convert
- Limited interest rate adjustment cap
- 5 to 30-year terms available
- Loan amounts $500,000–$646,000
- Special .25% Homebuyer Rate Reward
- Quick & easy pre-approval
Compare Loan Products
Select up to three products to compare side-by-side and find the perfect fit for your needs
Maximum of 3 products selected. Deselect one to choose another.
Fixed-Rate Mortgage
Key Features
- Stable monthly payments
- Rate never changes
- Predictable budgeting
- Best for long-term ownership
- No surprises
Adjustable-Rate Mortgage
Key Features
- Lower initial rate
- Rate adjusts after initial period
- 1% annual rate caps
- Best for short-term plans
- Potential savings
Jumbo Mortgage
Key Features
- High loan amounts
- $806,500 - $1,000,000
- Luxury home financing
- Competitive jumbo rates
- Premium service
Mortgage Calculator
Get instant estimates on your monthly payments and see how different factors affect your mortgage
Loan Details
Monthly Payment
Principal & Interest
Loan Amount
Total Interest
Total Paid
Payments
Payment Breakdown
Today's Mortgage Rates
Transparent, competitive rates from EasyChoice Mortgage — powered by Members Choice Credit Union. No surprises, just great rates.
Homebuyer Rate Reward
.25% Rate Discount
Score a special .25% rate discount for your primary home purchase!
Spring Home Improvements
Home Equity Loan
A flexible way to access your home's equity for those spring home improvement projects!
Current Rate Tables
Click any category below to view today's rates. All rates are subject to change without notice.
| Loan Term | Interest Rate | APR* | Points | Est. Payment |
|---|---|---|---|---|
| 30-Year Fixed | 6.750% | 6.823% | 0.000 | $1,297 |
| 20-Year Fixed | 6.500% | 6.594% | 0.000 | $1,491 |
| 15-Year Fixed | 6.125% | 6.243% | 0.000 | $1,701 |
| 30-Year Fixed (100% Financing) | 7.125% | 7.204% | 0.000 | $1,348 |
Rates based on a $200,000 loan. 100% Financing available for primary residences in Texas only. Minimum 680 credit score required.
Rate Disclosures
*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. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral. Rates shown are based on a $150,000 loan amount with an 80% LTV and a 740 FICO credit score. Manufactured homes and condominiums not allowed. Contact a Mortgage Loan Officer at 281.398.9400 for more information.
Quick Loan Application
Get started in minutes! Fill out this quick form and our mortgage specialists will contact you within 24 hours
Why Apply with Us?
- Fast 24-hour response time
- Secure and confidential
- Personalized guidance
- Competitive rates
- Expert support team
About EasyChoice Mortgage
Powered by Members Choice Credit Union
Your Partner in Homeownership
EasyChoice Mortgage is the mortgage division of Members Choice Credit Union, bringing you over 85 years of trusted financial service combined with innovative, user-friendly mortgage solutions.
We believe that getting a mortgage should be simple, transparent, and even enjoyable. That's why we've created a colorful, interactive experience that makes understanding your options easy and fun.
As a credit union, we're member-owned and focused on your success, not profits. This means better rates, lower fees, and personalized service that puts you first.
Trusted & Secure
Backed by Members Choice Credit Union with decades of financial expertise
Expert Guidance
Dedicated mortgage specialists guide you through every step of the process
Fast Approvals
Streamlined application process with quick decisions and closings
Personalized Service
Customized loan solutions tailored to your unique financial situation
Our Commitment to You
We're committed to making homeownership accessible and affordable for everyone. With competitive rates, flexible terms, and a team that truly cares about your success, we're here to help you achieve your dream of owning a home.
Contact & Support
Have questions? We're here to help! Reach out to our friendly team anytime
Call Us
281.754.1103
Mon-Fri: 8am-6pm CT
Email Us
info@easychoicemortgage.com
Response within 24 hours
Visit Us
18211 Katy Freeway
Houston, TX 77094 — Find a branch near you
Send Us a Message
Frequently Asked Questions
How long does the approval process take?
Most applications are reviewed within 24-48 hours.
What credit score do I need?
Requirements vary by loan type, starting from 580 for FHA loans.
Can I get pre-approved online?
Yes! Complete our quick application to get pre-approved.
What documents do I need?
Typically: ID, income proof, tax returns, and bank statements.