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Mortgages to finance the home of your dreams

Apply for a mortgage online by June 30, 2018 and you may qualify for up to $2,500 in closing cost credits.1
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Apply now and save up to $2,500 on closing costs
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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 up to 97% 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, 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.

Apply today

Apply online or call 301.779.8500 ext. 4045 to talk with a Mortgage Loan Specialist.

1 This credit applies to first mortgages only. Up to $1,500 in closing cost credits are 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 June 30, 2018 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 Educational Systems FCU loans. Loans are subject to credit qualifications and approval. Applicants must meet membership requirements.
2 Financing is available up to 97% of your home's appraised value. Expected monthly principal and interest payment for a 30-year fixed conventional mortgage of $200,000 at an interest rate of 3.75% (which is an equivalent APR of 4.159%) and a payment of $926.23. Total payment is $333,443.53. APRs as low as 4.159% for a 30-year fixed conventional mortgage, which is subject to change without notice.
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. Loans subject to credit qualifications and approval.