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  • New Gift Card Manager Site

    Our new Prepaid My Card Manager site is now live. Existing cardholders will need to create a new login using the “Get Started” link and choose the option “I have a card.” You will now have only one user login to access all your Reloadable cards on the Reloadable My Card Manager website, and the same user login can also be registered to access all your Gift cards on the Gift Card Manager website. Existing cards must be registered on the My Card Manager website before you attempt to purchase additional cards for yourself; be sure to log into My Card Manager before purchasing another card. Also, be sure to be logged in before linking your other prepaid reloadable or gift cards to your user login.

    Learn More
  • New Prepaid My Card Manager

    Our new Prepaid My Card Manager site is now live. Existing cardholders will need to create a new login using the “Get Started” link and choose the option “I have a card.”

    Learn More
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Mortgage Loans

Come home

Find the perfect home at the perfect rate

Get Prequalified
  • 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

    “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 DeGeus
    Find out more

    Learn more about the team at Member Home Loan.

    Learn More

    Multiple 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 Us

    FREE 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 STARTED

    FREE 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 STARTED

    TruStage 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.

    Learn More



  • Type Mortgage Loan Rates

    Rates Effective as of: 08-05-2021
    Term Rates APR1 as low as Payment Amount (P&I)
    15 Year Fixed Conventional 2.125% 2.417% $779.14
    20 Year Fixed Conventional 2.625% 2.852% $643.22
    30 Year Fixed Conventional 2.750% 2.911% $489.89
    30 Year Fixed VA 2 2.625% 2.785% $481.98
    30 Year Fixed FHA2 2.625% 2.785% $481.98

    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.



  • Mortgage / Home Loan

    Home Rent vs. Buy Calculator

    Mortgage Payoff calculator

    Mortgage Monthly Payment Calculator

    Mortgage Debt Consolidation Calculator

  • Frequently Asked Questions

    Help

    For more information or if you have a question, please get in touch with us.

    Contact Us

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
        • 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.
    • 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.
    • I’m mostly interested in a credit card
  • 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
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • 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
  • What would you like to save for?
    • The holidays
    • 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.
        • 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.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.