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A+ rates and $1,500 towards mortgage closing costs

With home loans designed for the education community, our team of mortgage professionals are here to help you finance the home of your dreams. If you’re looking to buy a new home or refinance your current first mortgage, we can help you save by earning up to $1,500 in closing costs.1
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Apply now and we'll pay your closing costs1
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Our team of mortgage professionals is here to help you from the initial application to the final payment. We understand the education community and that's why we offer:

  • Financing options with as little as 3% down of your home's appraised value2
  • Closing in 30 days or less
  • Earn an average rebate of $1,500 when you use a HomeAdvantage™ real estate agent3

Visit our Mortgage Center to learn about our mortgage products, including our new 15/15 Mortgage program. You can also get rate information, apply for a loan and access our helpful tools such as:

  • Rate Watch: 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: Receive a quote for your unique mortgage scenarios and obtain estimates of your closing costs.
  • Interactive calculators: The calculators simulate various financial scenarios and combinations to help you assess your options.

Get pre-approved today

This special offer is only available for applications submitted online before March 31, 2020.1  For more information, call 301.779.8500 ext. 4045 to speak with a Mortgage Loan Specialist. We're here to help you finance the home of your dreams.

1​ Purchase and refinance transactions will receive up to $1,500 in closing cost credits, restrictions apply. Applicants must meet membership eligibility requirements and apply online before March 31, 2020 and enter “2020 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 $291,000 at an interest rate of 4.125% with zero points (which is an equivalent APR of 4.530%) and a payment of $1,410.33. Total payment is $507,719.21. Rates are subject to change without notice. APR as low as 4.530% for a 30-year fixed conventional mortgage. 
3 The HomeAdvantage™ program is made available 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. Subject to credit qualifications and approval.