Why Select JHFCU

Why Get a Mortgage from JHFCU

Buying a home is most likely the largest financial transaction for most people; and refinancing of a current mortgage offers you a “second chance” to save money, lower your payment, and/or perhaps use your equity to finance a home improvement or other project.  Once settlement is done, you typically have the mortgage for several years. So choosing a good lender is important. 

Here are some of the reasons thousands of members have financed a home with JHFCU over the years:

Variety of Mortgage Options
– JHFCU has both traditional mortgage loans as well as some unique products.   We will discuss your options and help you determine which type of loan is best.  


Competitive Rates
– JHFCU offers competitive rates and a broad range of programs to provide our members excellent value based on their individual needs and situation.  Note rates can change at any time, so please call our Mortgage Lending Specialist at 410-534-4500 x505 to confirm current offerings.


Local Servicing
– One of the benefits of choosing JHFCU for your mortgage is that you are dealing with an established, local organization. All loans approved and disbursed by JHFCU are held in the Credit Union portfolio. You do not have to send your payments out of state; your servicing is done here at the Credit Union. We maintain your escrow account and forward payments for taxes and insurance.  You can view your account and escrow in JHFCU’s Online Banking, and can transfer payments from your JHFCU Checking or Savings account.

Easy Application Process – We can take your initial information over the phone, and answer any questions you may have on the application process.