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Buying a home

Mortgages worth extra credit

Whether you’re upgrading, downsizing or looking for your first home we offer the following:

  • $2,500 closing cost incentive.1
  • Financing with as little as 3% down payment.2
  • Earn an average rebate of $1,600 when you use HomeAdvantage to buy your home.3
  • Pre-approvals that are good for 60 days.

Jumbo Loans

Offered for loans up to $1,250,000 in Maryland, Virginia and the District of Columbia for qualified borrowers.

Here to help

Click here to go to Online Mortgage application login page
Start a new

Call a Mortgage Specialist
301.779.8500 ext. 4045
during business hours

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What our members say about us
As first time homebuyers, we had a fantastic experience with Educational Systems FCU! The online application was quick and easy. Our loan officer was responsible and made sure we had all of the information we needed to feel comfortable throughout the entire purchase process, she even attended settlement. It was great working with Educational Systems FCU to purchase our forever home.

Eric P. and Meaghen F.
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1 Purchase and refinance transactions will receive up to $2,500 in closing cost credits, restrictions apply. Applicants must meet membership eligibility requirements and apply online before June 30, 2021 and enter “2021 Savings” in the comments box to be eligible for promotion. Credit will be applied at the time of closing. Promotion is not valid on existing Educational Systems FCU loans and is subject to change without notice. Additional exceptions may apply. Loans subject to credit qualifications and approval. All applicants must meet membership eligibility requirements.
2 Financing is available with 3% down of your home’s appraised value. Expected monthly principal and interest payment for a 30-year fixed conventional mortgage of $339,500 at an interest rate of 3.375% with zero points (which is an equivalent APR of 3.748%) and a payment of $1,500.92. Total payment is $540,329.07. APR as low as 3.748% for a 30-year fixed conventional mortgage. Rates are subject to change without notice. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice.
3 The HomeAdvantage™ program is made available to you through a relationship between Educational Systems FCU and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real-estate agent in the HomeAdvantage network of approved agents. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using Educational Systems FCU for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with Educational Systems FCU to get details that may affect you.


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