+ Real Estate Loans -

Real Estate loansEveryone dreams of owning their own home and as your credit union, we are here to help you realize those dreams. No matter where you are in the home-buying process, we can help. Whether you’re a first-time home buyer, upgrading, or downsizing, we have a variety of products with rates and terms to meet your needs. Finding the right mortgage loan is as important as finding the right home. That's why we offer personal friendly service to help you select the loan that's right for you.

Now Offering FHA Home Loans!
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so the credit union can offer you a better deal. If you're buying your first home or having difficulty coming up with a large down payment, FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties. With FHA Home Loans you have:

  • Low down payments

  • Low closing costs

  • Easy credit qualifying 

How to qualify for an FHA loan

To qualify for an FHA loan, you typically need:

  • A credit score that meets the minimum requirement
  • Good payment history
  • No history of bankruptcy in the last two years
  • No history of foreclosure in the past three years
  • A debt-to-income ratio of less than 43%
  • The home must be your main place of residence
  • Steady income and proof of employment

Contact our Mortgage Department for more details about FHA Loans at 361-991-6178 Opt. 8

Apply for an FHA home loan

Home Purchase & Home Refinance 
Our mortgage loans are for the purchase or refinance of residential real estate. Why choose us for your next home loan? Because we're local, and all of our loans stay local. We won't sell your loan to another financial institution like most of the others do. We love our members and want you to stay with us. We offer low competitive rates, a stressless application process, and we have several payment options available to fit your needs. If you would like more information on home loans, we have Loan Officers here daily to assist you whenever you need them. 

Apply for a mortgage or refinance here

Home Equity Loans 
A Home Equity loan is great for the things we never have enough money for. Whether you're looking to make home improvements, consolidate debt, or go on your dream vacation, we can help with a quick and easy application process. With our Home Equity Loans you'll get a low rate and a quick response. For more information on a Home Equity loan, give us a call, stop by any location or apply online below! We're standing by to help with all your home loan needs.
Apply for a Home Equity Loan here

Unimproved Property Loans 
Have you found the perfect piece of land but don't have the funds to purchase it? You don't have to worry. Members First offers Unimproved Property Loans for the purchase of land. We offer very competitive rates and many different payment options. When you find your perfect spot, give us a call!

Need to make a payment on your auto loan?
You can now pay your M1st Loan payment from a different financial institution! You can choose to make a one (1) time payment online for $6.00 or set it up to come out on a monthly basis, and its FREE! If you call in to make a loan payment, it is a $10.00 fee.

Make a loan payment

Image of a family moving into a new home 

All loans subject to usual credit standards. Members First Credit Union is an Equal Housing Lender. Truth in Lending Act (Regulation Z)

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