100% Mortgage Loan

We’re saying goodbye to down payments and hello to homeownership with our 100% Mortgage Loan. At JHFCU, we believe that every member has the right to homeownership and with this no down payment home loan option, we’re making it easier than ever for qualified borrowers to achieve that goal and find their forever home.

No Down Payment*

Means more funds for home furnishings, renovations, or other expenses.


Designed for First-Time Buyers**

Making it easier than ever for first-time buyers to start their homeownership journey.


100% Mortgage Loan Qualifications & Details

  • For first-time home buyers with an income of $150,000 or less per year (or have not owned a home in the past 3 years)
  • Members must have paid rent and other credit obligations on time for the past 12 months
  • Requires no down payment* or private mortgage insurance payment
  • Members still need funds for closing costs, which can come from savings, gifts, or grants
  • Maximum loan amount is $500,000
  • Program can be used for the purchase of a one-unit primary residence (condominiums are not eligible)
  • Members must complete homeownership counseling

Have questions or want more information? Contact our award-winning mortgage department at [email protected] or 800-543-2870 ext. 505.

Get Started




"You guys are great and have always gone out of your way to assist me with my loans."

– B.C., Baltimore, MD


Other Home Loan Tools to Suit Your Needs

Fixed-Rate Mortgage

Enjoy the peace of mind that comes with knowing your rate and monthly payment will stay the same through the life of your loan. Plus, choose your term!

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Mortgage Refinance

Refinancing provides tailored options to meet your financial goals, whether you seek local lenders, fixed-rate mortgages, lower rates, shorter terms for savings, or extended terms for reduced monthly payments.

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Other Mortgage Options

See what else we have to offer. 

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*Members still need funds for closing costs, which can come from savings, gifts, or grants.

**Includes those who have not owned a home in the past three years.