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Refinancing a home

Refinance your home and save

Lower your current interest rate to save on your monthly payments. You’ll also enjoy:

  • $2,500 closing cost incentive.1
  • Financing with as little as 3% down payment.2
  • 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
The Credit Union helped me refinance my mortgage to a much lower rate, and the entire process was done virtually. In this current environment, it was nice to have my physical health, as well as, my financial health be a priority. My new lower payment is saving me $150 per month, which I’m saving in case of an emergency.

Alicia S.
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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.

Rebates with HomeAdvantageTM
  • We'll help you find a real estate specialist
  • Earn a rebate
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