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Whether you’re buying a new home or refinancing your current home, we can help you get the financing you need and close in 30 days or less. In addition, we offer financing up to 97% of the home’s loan-to-value, and we’ll be there to help you from the time of application to your final payment.

Mortgage Center
Visit our Mortgage Center to learn about our mortgage products, get rate information, apply for a loan, and access our helpful tools such as:

  • Rate Watch: You can set up rate thresholds and receive email alerts when those thresholds are reached. You can also have rates emailed daily, weekly or monthly.
  • Personalized quotes: You can receive a quote for your unique mortgage scenarios and obtain estimates of your closing costs online.
  • Interactive calculators: The calculators simulate various financial scenarios and combinations to help you assess your options.

save up to $2500 on closing costs

Apply today
Apply online or call 301.779.8500 ext. 4045 to talk with a mortgage loan specialist.

Find a realtor and earn a rebate
If you’re buying or selling a home, our HomeAdvantage™ program is the only resource you’ll ever need to search, buy, sell and save. It’s a free, no obligation program that can help you find the home of your dreams, connect with a real estate agent and get a valuable rebate which is on average over $1,500.

Register Today

Helpful tip:
Protect one of your biggest investments with discounted homeowner’s insurance through your membership at Educational Systems FCU. Get a quote from our partners TruStage™ or Nationwide.

What members are saying
Here’s what our members are saying about financing a home with us.
  • "We were very fortunate to have been placed in Deborah's capable hands. She made a rather scary process very manageable for us. We are grateful to Educational Systems FCU for helping us out by approving our loan."

    Bruce M. and Natalie M.

1This credit applies to first mortgages only. Up to $1,500 in closing cost credits are only available for properties located in Charles, Montgomery and Prince George's counties in Maryland. Up to $2,500 towards closing cost credits are available for properties located in all other counties in Maryland. Members must apply online at between now and December 31, 2017 and enter promotion code ESFCU$1500 or ESFCU$2500 in the comments box at the end of the application to be eligible for a closing cost credit. This credit will be applied at the time of closing. This promotion can’t be combined with other offers and isn’t valid on existing ESFCU loans. Loans are subject to credit qualifications and approval. Applicants must meet membership requirements. Loans subject to credit qualifications and approval.


1.     Helpful tip: Protect one of your biggest investments with discounted homeowner’s insurance through your membership at Educational Systems FCU.  Get a quote from our partners TruStage™  [hyperlink to TruStage]: or Nationwide  [hyperlink to Nationwide].


View Rates Savings


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© 2014 Educational Systems Federal Credit Union. All rights reserved.
Educational Systems Federal Credit Union Routing #255077008

PO Box 179, Greenbelt, MD 20768-0179  ·  301.779.8500  ·  800.356.6660
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