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Lower your monthly costs and get rewarded—that’s a win all around! Enjoy NO payments for up to 90 days!1 Choose from loan terms ranging from 36 to 84 months with competitive low rates
Mortgages that make you feel at home.
Whether it’s your first time or you’ve been around the block, open the door to financing that makes you feel at home!
Lay the foundation of your future with a rate built to last! With a fixed rate from the start, you can rest easy knowing your loan payments won't change with the market.
Imagine the freedom of unlocking your first home, without the stress of a big down payment or private mortgage insurance! Tailored for first-time buyers2, our 100% Mortgage is your key to confidently stepping into homeownership.
You're nurturing the foundation for your future career—and your future home. Find peace of mind with a mortgage designed for your unique circumstances, whether you're embarking on your residency journey or ready to establish your roots.
Say Home Sweet Home with lower initial payments! An Adjustable Rate Mortgage is a great option if you’re looking to finance a mortgage now and reassess your options down the line.
Enjoy all the benefits of a refinance without the cost when you finance your home with a HomeFree Home Loan from JHCU! Experience the welcoming comfort of financial ease and the security that comes with knowing your biggest investment is well-cared for.
Home is where the heart is, but that doesn’t mean you love your rate. Let us help you find a new rate that aligns with your goals and makes your finances truly feel at home.
Fixed First Mortgage
First Mortgage 100% Financing
First Mortgage Physician's Loan
*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.
ARM 10 Year
ARM 7 Year
ARM 5 Year
*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.
Homefree Home Loan
*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.
"From the very first contact inquiring about the loan, I had complete support and assistance at every step of the way. The process was both fair and very quick, in my opinion, and I was extremely pleased with the entire process."
– Sylvia E.
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
*APR = Annual Percentage Rate.
1Rates are determined by an evaluation of the applicant’s credit, loan term and loan-to-value (LTV). Minimum down payment of 3% 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. Rates are subject to change.
2Includes those who have not owned a home in the past three years.
3Members still need funds for closing costs, which can come from savings, gifts, or grants.
4Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV). 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. Rates are determined by an evaluation of the applicant’s credit, loan term and loan-to-value (LTV)
6The closing costs will be added back to the loan payoff balance if the loan is paid in full within the first three years.
7Rates are determined by an evaluation of the applicant’s credit, loan term and loan-to-value (LTV).Down payment of up to 3% may be required. Payments do not include amounts for taxes or insurance premiums, if applicable, actual payment obligation will be greater. Property and flood insurance may be required. Other restrictions may apply.
The credit union will lend on residential properties in Maryland, Pennsylvania, Delaware, Virginia, and the District of Columbia. Properties must be owner-occupied.
