Mortgages

Buying a home or looking to refinance a mortgage?

We offer a variety of low-cost mortgages to help you buy your first home, next home, or refinance an existing mortgage. We also offer investment property options for real estate investors in and around Maryland.

Options for first-time buyers and current homeowners

Competitively low rates save you money

Ideal for purchases and refinances

Full service from a MECU mortgage officer

First-Time Homebuyers Loan

Special discounts and home loan options designed specifically for first-time homebuyers.

FHA Loans

Lower down payment option with more lenient credit and income requirements than conventional mortgages.

Fixed-Rate Mortgages

Low, fixed interest rate loans with a rate that never goes up and a variety of loan repayment terms.

Adjustable-Rate Mortgage

Start with our lowest fixed-interest rate for a specified period followed by an adjustable-rate that can go up or down with the market.

Residential Investment Property Loans

Financing for the purchase, renovation, or refinance of residential investment property.

Refinance Your Home Loan

Refinancing can help you get extra cash, lower your interest rate, lower your payment, or shorten your loan term.

Talk to one of our home loan officers!
Mortgage Resource Center

Research your various options to find the home loan that fits your budget and lifestyle.

A better mortgage is here for you.

When homeownership is your priority, we're focused on helping you find the perfect home loan for your budget and lifestyle. And if you want to refinance an existing mortgage to save money, our interest rates always work in your favor. Plus, you'll be paired with one of our mortgage experts who guide you through every step of the mortgage process and answer all your questions about real estate in Baltimore, Maryland.

Use this form below to provide some information about your goals so we can help you reach them.

I recently refinanced my mortgage with MECU. It was a very easy process, and I shaved at least 10 years off my mortgage, which will save us a lot of money. Made us very happy.

Rico C.

Come home to a MECU Mortgage.

NMLS #415829