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Overview
The Member Home Loan advantage
When you get a mortgage through us, you’ll get the team at Member Home Loan as well, to make your home buying the best experience. We’ll set you up with pre-approval so you’ll have the freedom to shop for your home without being tied down. We’ll also get you a highly qualified team to work on your behalf, make sure you’re in the home you want, at the best possible home price.
Contact our Member Home Loan reps today:
NMLS # 105693
9601 Jones Road, Suite 108
Houston, TX 77065
Main: 832-912-2151
Email: questions@mhlcu.com
- Easy home-buying with loan pre-approval
- Highly competitive rates and closing costs
- Experienced team to guide you through the process
- Check out our Mortgage Resource Center!
“I have been a member as far back as I can remember and have been very satisfied. This week I ran into a problem and the representative went beyond my expectations. I truly appreciate him. Thank you.”
Mary DeGeusMultiple home loans available
We have special loans available for those in lower income tiers (FHA loans) as well as loans for veterans and their families (VA loans). If you think you may qualify for one of these loans, be sure to mention this to our loan officer.
Contact UsFREE Home Buying Interactive Lesson
Congratulations! You’ve decided to purchase a home. Now it's time to prepare yourself to make the right decisions by learning about the process, the people who can assist you, and the associated costs.
GET STARTEDFREE Homeownership Interactive Lesson
Buying a home can be one of the most expensive and rewarding decisions you’ll ever make. Explore how you can prepare for homeownership.
GET STARTEDTruStage Home Insurance
Interested in a discount on home insurance? As a member of AFFCU, you can save big through our partner, TruStage. Find out more today.
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Rates
Type Mortgage Loan Rates
Rates Effective as of: 03-03-2021Term Rates APR1 as low as Payment Amount (P&I) 15 Year Fixed Conventional 2.375% 2.669% $793.11 Get Prequalified 20 Year Fixed Conventional 2.875% 3.105% $658.03 Get Prequalified 30 Year Fixed Conventional 3.000% 3.163% $505.92 Get Prequalified 30 Year Fixed VA 2 2.875% 3.037% $497.87 Get Prequalified 30 Year Fixed FHA2 2.750% 2.911% $489.89 Get Prequalified 1 APR = Annual Percentage Rate
Mortgage services offered in partnership with Member Home Loan.
Loans are subject to credit and property approval. Certain restrictions and conditions apply. Programs and guidelines subject to change without notice.
All rates are subject to change daily, without notice. Rates are available for properties located in Texas.
The above rates contain a 1% origination fee for conventional loans.
Membership eligibility required. Payment examples based on a $120,000 loan amount with an 80% LTV and 740 FICO score required. Estimated payment does not include taxes and insurance premiums, actual payment may be greater.
For mortgage rate inquiries specific to your situation please complete this form.
Please call 832.912.2151 to know more about VA rates.
2 The rate and APR are subject to their Branch of Service and the Funding Fee Status.
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Questions
Frequently Asked Questions
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How are your home loans handled?
Our home loans are handled in partnership with Member Home Loan, a top-rated lending company.
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How are your home loans handled?
How can we help you succeed?
- What would you like to borrow for?
- A home
- Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
- A vehicle
- Cool! Are you looking for a regular car, or something a little more adventurous?
- Something adventurous
- Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
- A regular car is fine with me
- Sounds good! We have low rates available for both new and used
Auto Loans. We can also Refinance your current loan with another institution.
- Sounds good! We have low rates available for both new and used
- Something adventurous
- Cool! Are you looking for a regular car, or something a little more adventurous?
- An education
- Right on! We have Student Loans available through our trusted partner, Sallie Mae.
- Something else
- Sounds good! Are you more interested in a lump sum or a line of credit?
- Lump sum
- Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
- Line of credit
- Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
- Lump sum
- Sounds good! Are you more interested in a lump sum or a line of credit?
- I’m mostly interested in a credit card
- Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.
- A home
- What would you like help with?
- Accessing my accounts
- Okay, how would you like to access your accounts?
- Online
- Ok! Is this is your first time using Online Banking?
- Yes
- Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
- No
- Great. To access your account, simply click “Login” in the upper right hand corner of the page.
- Yes
- Ok! Is this is your first time using Online Banking?
- On my mobile device
- Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Online
- Okay, how would you like to access your accounts?
- Opening a checking account
- Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
- Signing up for eStatements
- Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
- Running my small business
- Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
- Getting insurance
- Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.
- Accessing my accounts
- What would you like to save for?
- The holidays
- Nice! We think you’ll love our Christmas Club account.
- I’d like to open a savings account for my child
- Great idea! We have several Youth Savings accounts available, depending on your child’s age.
- Something else – and I’d like to earn a good interest rate
- Do you have some money saved up already?
- Yes, quite a bit
- Nice! Are you okay with leaving your money untouched for a while?
- Sure
- Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
- I’d prefer to make withdrawals when I need to.
- Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
- Sure
- Nice! Are you okay with leaving your money untouched for a while?
- Not much
- No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
- Yes, quite a bit
- Do you have some money saved up already?
- I’d prefer just a basic savings account
- Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
- The holidays