THE COMPANIES THAT MAKE THEIR LIFE SIMPLE
Let us help you find the right mortgage
for your perfect home!
FIRST BENEFIT
SECOND BENEFIT
THIRD BENEFIT
@IWantSimple A big part of our process is about validation and details, but speed to market is also key. Make it simple!
@IWantSimple A big part of our process is about validation and details, but speed to market is also key. Make it simple!
Apply today to make your
dream home a reality!
Wide Range of Mortgage Loan Programs to fit your unique needs!
About your
mortgage options
We provide solutions for your unique mortgage needs. From purchase to refinance, we offer programs to help you achieve your home financing goals.
Wide Range of
Mortgage Programs
We offer a wide range of mortgage programs including conventional fixed and adjustable rate programs.
Affordable Down Payment Programs
Many of our loan programs offer flexible down payment requirements to make buying a new home more affordable.
Competitive Rates
and Closing Costs
Our mortgage rates are constantly changing so that we can stay competitive in the industry. We also keep our closing costs low to help you save money.
Easy Online Application
Our easy online mortgage application allows you to apply whenever works best for your schedule from virtually anywhere.
Full Team of Mortgage Experts
We are backed by a full team of mortgage experts to walk you through the mortgage process from application to closing.
Purchase or Refinance
Whether you're looking to purchase a new home or refinance your existing mortgage loan, we're here to help you with every step.
If you have questions and want to talk about your specific situation, call our expert Mortgage Consultant from Member First Mortgage today:
Mortgage Consultant
Ready to get started?
*This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Todd Cholevik, NMLS #469738 is authorized to act as an agent of Total Choice Federal Credit Union and is authorized to represent Member First Mortgage, LLC (‘MFM’). MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a Total Choice Federal Credit Union: (14963 River Rd Hahnville, LA 70057 | (985) 783.1100 | NMLS ID: 408958). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.
*Todd Cholevik, NMLS ID #469738 is authorized to act as an agent of Total Choice Federal Credit Union and is authorized to represent Member First Mortgage, LLC. For MLO Licensing information, please visit NMLS Consumer Access.
Tell Us About Yourself
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want military or veteran perks
Loans with fewer credit requirements and low to no down-payment options.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
Tell us about yourself
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want military or veteran perks
Loans with fewer credit requirements and low to no down-payment options.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
Mortgage Calculator
Homebuying Guide
Be informed! Review best practices for finding, buying, and financing your new home – with a payment you can afford.
Purchase or Refinance
30-Year Fixed Rate
at 5.75% / 5.914% APR1
1 *Available to all borrowers on the first lien purchase or refinance of a primary residence using a conventional portfolio loan product with Total Choice Federal Credit Union, in the State of Louisianna only. Eligible on 1-unit properties (Single Family Residence or PUD) only. Example scenarios, calculated 5/11/2026, assume excellent borrower credit history and are based on a $285,000 loan amount with a 5% cash down payment from the borrower and 95% conventional financing on a 30-year fixed-rate term. The Purchase/Rate & Term Refinance example scenario assumes an interest rate of 5.75% with an Annual Percentage Rate (APR) of 5.914% for 30 years (360 monthly principal & interest payments of $1,663.18; excluding taxes, insurance, and private mortgage insurance (PMI)). Application must be submitted by August 31, 2026. This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC (MFM) is a partner of Total Choice Federal Credit Union. Todd Cholevik, NMLS #469738, is authorized to act as agent of Total Choice Federal Credit Union (14963 River Road, Hahnville, LA 70057 | (985) 783.1100 | NMLS ID: 408958) and is authorized to represent MFM, a licensed Mortgage Lender/Servicer (Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (616) 538.1818 | NMLS ID: 149532). For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.
Mortgages Start at
Your Credit Union
Whether you're looking to purchase your dream home or refinance your current mortgage, Total Choice FCU is here to help!