We offer a variety of loan programs to meet your needs. Whether you are looking to purchase a new home or refinance your existing mortgage, we have a home loan program that will suit your individual needs.

Zero Down Mortgage

  • Finance 100% of the purchase price of the home, up to $2 million

  • Only available on the purchase of a primary residence in MD, DC, or VA

  • Members are still required to pay closing costs and meet reserve requirements

  • Fixed and Adjustable Rate Mortgage options available

95% to 97% Financing Options

  • 3% to 5% down payment options on purchases

  • Higher loan-to-value limits on traditional refinances

  • Private Mortgage Insurance (PMI) is required

  • Available on primary residences only

Fixed Rate Mortgages

  • Variety of loan-terms

  • The monthly principal and interest payment is fixed for the life of the loan so payments stay predictable

  • Great option if you are planning on staying in your home for a long time

  • Available on primary residences, second homes, and investment properties

Adjustable Rate Mortgages (ARMs)

  • Variety of ARM products: 5/1 ARM, 7/1 ARM, and 10/1 ARM

  • Initial interest rate tends to be lower than most fixed rate loans

  • The interest rate and principal and interest payment will adjust, according to an index, after the initial term

  • May be a good choice if you plan to move or refinance before the rate adjusts or if you expect your income to increase in the future

  • Available on primary residences, second homes, and investment properties

Jumbo / Non-Conforming Loans

  • Higher loan limits, from $636,450 to over $1,000,000

  • The cost of obtaining a jumbo loan, as well as the interest rate, is generally higher than that of a conforming loan

  • Fixed and ARM products available

  • Available on primary residences, second homes, and investment properties

FHA Loans

  • 3.5% down payment is required

  • Down payment can be a gift or a loan to the borrower from an eligible source, such as a family member or state housing agency program

  • More flexible qualifying ratios

  • More lenient on credit blemishes

  • Ideal for first-time homebuyers seeking a low down payment

  • Available on primary residences only

  • Insured by the Federal Housing Administration

VA Loans

  • 100% financing available

  • Eligible to Veterans, eligible active duty/reservists, retired veterans, and their unmarried surviving spouses. Requires valid Certificate of Eligibility (COE)

  • Fixed rate terms available

  • Available on primary residence only

  • Guaranteed by the U.S. Department of Veteran's Affairs

Virginia Housing Development Authority (VHDA)

  • Great choice for first-time homebuyers

  • Choose from a variety of Conventional or FHA loan programs

  • 100% financing may be available

  • Mortgage Credit Certificate options help reduce federal taxes

  • Flexible credit qualifying criteria

  • Free homebuyer education

  • Income and sales price limits apply

Home Equity Line of Credit

  • Revolving line of credit you can use again and again

  • Borrow up to 100% of the value of your home

  • Variable rate

  • Only available on properties located in Maryland, DC, and Virginia

Equity Express

  • One time advance of funds

  • Fixed rate for life of the loan

  • Borrow up to 100% of the value of your home

  • Only available on properties located in Maryland, DC, and Virginia

Bridge Loan

  • Allows you to use the equity from the home you are trying to sell to put a down payment on a new home

  • Borrow up to 80% of the value of your current home

  • Interest only payments

  • 12-month term

  • Only available on properties located in Maryland, DC, and Virginia


The Fine Print

Loan and membership requirements apply. Federally insured by NCUA.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 477974

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