• Fixed and adjustable rate mortgages available.
• Loans up to $417,000 are referred to as Conforming Loan Amount.
• Loans over $417,000 are referred to as Jumbo Loan Amount.
• Primary residence, vacation homes (or second homes) & investment properties may be financed.
• Loans are available for purchase, no cash-out refinance (paying off the first mortgage only), cash-out refinance (paying off the first mortgage, any junior liens and cash for other purposes). Cash-out transactions are not available in Texas.
• Interest rates may be locked for 55 or 85 days.
• Applicants will have $549 “on hold” and unusable in their savings account for the appraisal ($380), flood certification ($19) and application fee ($150). The application fee is non-refundable.
• Members may apply online, by phone or in person.
• We offer free pre-qualification service (based on stated information). This is an informal process to estimate the purchase price, loan amount and qualification ranges.
• We offer Pre-approved Mortgages; this is a formal mortgage application that is processed and a credit decision is given prior to the selection of a property.
• Dividends are paid on escrow accounts.

Terms and conditions may apply and are subject to change.

First Mortgages are available in CA, CT, DE, FL, GA, IL, IN, MD, NJ,
NY, NC, PA, SC, TX, VA, WV and Washington DC.