A smiling family of two adults and a child sitting on a couch in a living room, looking at a tablet together.

Home Loans

HomeRight ArrowHome Loans
OverviewRatesHow to ApplySupport

Lay the foundation of your future with a loan built to last.

Whatever home means to you, our mortgage and home equity options offer thoughtful support for today’s plans and tomorrow’s goals.

Dollar Sign Icon
Competitive Rates
Graph Icon
Flexible Terms
Mobile Payment Icon
Easy Auto-Payments
Contact Us

Find your home loan

Two women lying on a wooden floor, smiling and playing with a black dog among unpacked cardboard boxes near a gray couch.

Mortgage Loans

From big dreams to front doorsteps, get financing that works for you.

  • Traditional Fixed-rate Mortgage
  • 100% Mortgage
  • Physician’s Mortgage
  • HomeFree Home Loan
  • Mortgage Refinances
Learn More
Woman smiling and pointing at paint color samples on a wall while a man holds them.

Home Equity Loans & Lines of Credit

Don’t waste your pennies on wishing wells; secure the funds to get things done!

  • Competitive low rates
  • No closing costs1
  • Flexible terms
  • Range of options available
Learn More

Our Rates

Mortgages
Home Equity Loans
Homefree Home Loans

Mortgages

Fixed Rate
Adjustable Rate
Loan Type
Term
Points
Rate
APR* as low as

Fixed First Mortgage

Term
30 years
Points
0
Rate
6.625
%
APR* as low as
6.747
%
Term
30 years
Points
0.750
Rate
6.375
%
APR* as low as
6.569
%
Term
20 years
Points
0
Rate
6.375
%
APR* as low as
6.534
%
Term
20 years
Points
0.750
Rate
6.125
%
APR* as low as
6.378
%
Term
15 years
Points
0
Rate
5.875
%
APR* as low as
6.071
%
Term
15 years
Points
0.875
Rate
5.625
%
APR* as low as
5.959
%
Term
10 years
Points
0
Rate
5.875
%
APR* as low as
6.153
%

First Mortgage 100% Financing

Term
30 years
Points
0
Rate
7.000
%
APR* as low as
7.125
%

First Mortgage Physician's Loan

Term
30 years
Points
0
Rate
6.875
%
APR* as low as
6.999
%

*APR= Annual Percentage Rate. Calculate estimated payment. The monthly payment shown does not include taxes, insurance or other applicable escrows. The actual payment obligation will be greater when these are applied. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, income, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan.

Loan Type
Term
Points
Rate
APR* as low as

ARM 10 Year

Term
30 Years
Points
0
Rate
5.875
%
APR* as low as
6.287
%

ARM 7 Year

Term
30 Years
Points
0
Rate
5.625
%
APR* as low as
6.286
%

ARM 5 Year

Term
30 Years
Points
0
Rate
5.375
%
APR* as low as
6.320
%

*APR= Annual Percentage Rate. Calculate estimated payment. The monthly payment shown does not include taxes, insurance or other applicable escrows. The actual payment obligation will be greater when these are applied. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, income, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan.

Home Equity Loans

Fixed Rate
Line of Credit
Loan Type
Term
Points
Rate
APR* as low as

Home Equity Fixed

Term
5 yrs; 80% LTV
Points
0
Rate
6.500
%
APR* as low as
6.630
%
Term
5 yrs; 90% LTV
Points
0
Rate
7.000
%
APR* as low as
7.140
%
Term
5 yrs; 95% LTV
Points
0
Rate
7.500
%
APR* as low as
7.650
%
Term
10 yrs; 80% LTV
Points
0
Rate
7.000
%
APR* as low as
7.075
%
Term
10 yrs; 90% LTV
Points
0
Rate
7.500
%
APR* as low as
7.581
%
Term
10 yrs; 95% LTV
Points
0
Rate
8.000
%
APR* as low as
8.087
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.500
%
APR* as low as
7.558
%
Term
15 yrs; 90% LTV
Points
0
Rate
8.000
%
APR* as low as
8.063
%
Term
15 yrs; 95% LTV
Points
0
Rate
8.500
%
APR* as low as
8.567
%

Jumbo Home Equity Fixed

Term
10 yrs; 80% LTV
Points
0
Rate
7.000
%
APR* as low as
7.072
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.500
%
APR* as low as
7.555
%

*APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment.
**Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and term. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Rates are subject to change.

Loan Type
Intro APR*
(12 months)
Standard APR* as low as
Floor Rate

HELOC 80% LTV**

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
3.00% floor rate

HELOC 90% LTV**

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.25% (currently 7.00%)
Floor Rate
3.25% floor rate

Jumbo HELOC (Over $200K) Max 80% LTV**

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
4.00% floor rate

*APR=Annual Percentage Rate. The initial rate for the Introductory Rate Home Equity Line of Credit is a fixed rate for 12 months and not based on the index and margin used for the subsequent rate adjustments. For new loans only.
‍
**Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Maximum rate is 18% APR. Rates can change monthly and are based on the Prime Rate as published in the Wall Street Journal on the 25th of the month.

Homefree Home Loans

Loan Type
Term
Rate
APR* as low as

Homefree Home Loan

Term
15 years
Rate
6.375
%
APR* as low as
6.423
%
Term
10 years
Rate
6.000
%
APR* as low as
6.064
%
Term
5 years
Rate
5.750
%
APR* as low as
5.866
%

*APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment.
**Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and upon refinancing your non-JHFCU loan. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Rates are subject to change.

StarStarStarStarStar
Everyone I have ever spoken to in my years with JHCU has been very professional, caring and knowledgeable.

I have never been left hanging or felt like a number.

- Dewayne D

Quote
Contact Us

Ask about our

home loans

Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.

Phone
Email
Email Us
mortgages@jhfcu.org
Please do not include sensitive information
Check all that apply
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Related Products

Other products and services we think you'll love.

Smiling family of four cuddling closely together inside a home with natural light.
Personal Loans
Smiling woman sitting in the driver's seat of a car, holding the steering wheel with one hand.
Auto Loans
Smiling man sitting at a table using a laptop and holding a credit card in a bright room.
Credit Cards
Disclosures

1The closing costs will be added back to the loan payoff balance if the loan is paid in full within the first three years. APR=Annual Percentage Rate. The rate you receive will be based on certain creditworthiness. Please ask us for the rate for which you qualify. Maximum rate is 18.00% APR. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts, and loan-to-value requirements. JHCU can finance your Home Equity Line or Loan in Maryland, Virginia, Washington, D.C., Delaware, and Pennsylvania. Additional conditions apply. Contact our Mortgage Department at mortgages@JHFCU.org for additional information. NMLS# 509565.

*APR = Annual Percentage Rate.

Your trusted partner in mind, money, and wellness.

Open an Account
Routing Number:
252076235
NMLS#:
509565
Local Phone:
410.534.4500
Toll-Free Phone:
800.543.2870

Johns Hopkins Credit Union (JHCU) is a federally chartered credit union completely independent from Johns Hopkins University, Johns Hopkins Health Systems, and any of the Johns Hopkins schools, hospitals, or programs. JHCU holds a license to use the “Johns Hopkins” registered mark. JHCU serves the employees, students, retirees and Alumni Association members of the Johns Hopkins University, employees and retirees of the Johns Hopkins Health System and its hospitals, and employees and retirees of other select entities. JHCU is wholly owned by its members. Neither Johns Hopkins University nor Johns Hopkins Health Systems select, endorse, or are responsible for the goods and services offered by JHCU.

If you are using a screen reader for the visually impaired and are having problems using any part of this website or any of JHCU's websites, please call 800-543-2870 during normal business hours for assistance. For more information please see our website accessibility statement.

Created by The Pod