HomeFree Home Loan

Retire your mortgage faster Smartmove our HomeFree Home Loan. Traditional refinancing can be costly, but our HomeFree Home Loan allows you to save by lowering your rate and likely your term as well, without paying closing costs1 — great for members with a significant amount of equity in their home.

Details include:SmartMove Real Estate Rebate Program

  • Terms available from 6 to 12 years*
  • Must have at least 25% equity in your home (loan-to-value ratio of 75% or less)
  • Finance between $25,000 and $250,000
  • For primary residence in Maryland and surrounding states.
  • For refinances only. Not available for purchases. 
$500 Mortgage Coupon

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*Rates are determined by an evaluation of the applicant’s credit, loan term and loan-to-value (LTV). Minimum down payment of 5% required. Payments do not include amounts for taxes, insurance premiums or private mortgage insurance (PMI) , if applicable, actual payment obligation will be greater. Property and flood insurance may be required. Other restrictions may apply. 
1 Closing costs will be added back to loan balance if the loan is paid off within three years