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From start to finish, we simplify the homebuying process, so you can focus on what matters most—the next chapter in your new home.
100% financing—mortgage insurance required
No down payment required
30-year, fixed rate mortgage
Multiple repayment terms available
Loan-to-value up to 90%
Guaranteed by the federal agency
VA loans offered to qualified armed forces, active military personnel, veterans or their widows
No down payment required
We allow up to 45% debt-to-income ratio
No mortgage insurance required
Only one closing required
The same rate applies for construction and permanent financing
Fixed- and adjustable-rate programs available
We offer mortgage services in all states and Washington, D.C., except: California, Texas, Alaska and Hawaii.
Use this calculator to estimate monthly mortgage payments, interest payments and the impact of principal payments.
For current mortgage rates, please contact one of our mortgage originators (opens in a new tab).
Get Pre-Qualified
Understand your budget and buying power with a mortgage expert.
Shop for Your Home
Find the home that fits your needs and make an offer.
Complete Your Loan Process
Submit documents while our team reviews and approves your loan.
Close With Confidence
Sign the final paperwork and receive your keys.
Do I need perfect credit to buy a home?
No. While good credit can help, it’s not required. Members 1st works with you to find a mortgage option that fits your financial situation.
When should I talk to a lender?
As early as possible—even if you’re just thinking about buying. A lender can help you understand your options, budget and next steps before you start house hunting.
What does it mean to get pre-qualified?
Pre‑qualification gives you an estimate of how much you may be able to borrow. You’ll share basic details about income, assets, debts and credit so you can shop with confidence.
Do I need to buy a home right after getting pre-qualified?
No. Your pre‑qualification is typically good for 120 days and can be updated if your search takes longer. Just connect with your Mortgage Originator when needed.
What's the difference between fixed- and adjustable-rate mortgages?
A fixed‑rate mortgage keeps the same interest rate for the life of the loan.
An adjustable‑rate mortgage (ARM) starts with a lower fixed rate for a set time, then adjusts based on the market. ARMs may be a good fit if you don’t plan to stay long term.
Are there options to refinance later?
Yes. After six to twelve months of on‑time payments, refinancing may be an option to change your rate, term or loan type.
Have questions about or interested in refinancing your existing mortgage?
Our Blog
Thinking about buying a home? The mortgage is just the beginning. We break down the hidden costs of homeownership so you're prepared.
Borrow WiselySpend Carefully
Searching for homes can be stressful, whether you are a first-time homebuyer or looking for a new house. There are a lot of things to know, like how much you should offer, what you need to do to be approved to purchase and even what you want in your next home. Going in with a plan can make things a lot easier.
Borrow Wisely
Thinking about buying a home? Mortgage pre‑qualification helps you know your budget, boost your offer and shop with confidence.
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