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Mortgages

Get $2,500 in closing cost credits.1

Buying a home

Whether you’re upgrading, downsizing or looking for your first home, we have a home loan for you. We offer financing options of up to 97%.2

Refinancing a home

Lower your current interest rate and save on your monthly payments, our mortgage specialists are here to help you of your home’s appraised value and $2,500 in closing cost credits.
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Home loans available across the United States
Lending is available in the contiguous United States and the District of Columbia. Alaska and Hawaii are excluded.
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Jumbo Loans

We offer loans up to $1,250,000 for qualified borrowers. 

Flexible Terms

We have flexible mortgage terms to fit your needs including 15 year fixed, 30 year fixed and 15/15 Adjustable Rate Mortgages (ARM).3

Mortgage Center

Visit our Mortgage Center for more information about our mortgage options, to view rates, apply for a loan and access some helpful tools:  

  • Rate Watch: Want to know when rates change? Rate Watch lets you set up rate thresholds and receive email alerts when those levels are met. You can also receive daily, weekly or monthly rate alerts.
  • Personalized quotes: Receive a quote for your unique mortgage needs and get estimates on your closing costs.
  • Interactive calculators: The calculators simulate various financial scenarios to help you assess your options.

Here to help

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

Phone
Call a Mortgage Loan Officer
301.779.8500 ext. 4045
during business hours

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 December 31, 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 3.250% with zero points (which is an equivalent APR of 3.619%) and a payment of $1,477.53. Total payment is $531,908.20. APR as low as 3.619% 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 expected monthly principal and interest payment for a 15/15 adjustable rate mortgage of $250,000 at an initial interest rate of 2.625% with 0 points (2.980% APR) is $1,004.13. Total estimated payments of $416,647.02 (30 year repayment). Payment does not include taxes or insurance, actual payment may be higher. Rate is variable and can increase by no more than four percentage points every 15 years, never to exceed four percentage points above the initial rate (6.625% for this example). When the rate adjusts, your new rate will be the then current index (Weekly One Year Constant Maturity Treasury, or CMT) plus a margin of 2.750%, as long as the total adjustment does not exceed the 4.00% adjustment cap. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Rates, terms and conditions vary based on creditworthiness and qualifications. Subject to credit qualifications and approval. All applicants must meet membership eligibility requirements.