First-Time Homebuyers

Buying your first home has never been easier.

HELOC

12-month introductory fixed rate as low as 3.99% APR* then an ongoing variable rate as low as Prime minus 0.25%*

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Our mortgage programs make buying your first home in and around Maryland easier and more affordable

Get a 0.25% rate* discount when buying your first home

From FHA or conventional to fixed- or adjustable-rate (ARM), find the right mortgage for you

Our experts will help you navigate the homebuying process

MECU Credit Union's First-Time Homebuyer Program opens the door to more home for less.

Our home loan experts will guide you through the homebuying process. Our special offers, great interest rates, and low-money-down mortgages can get you in your first home for less. We've put together the best options to help simplify the homebuying process in Maryland and save you money with our First-Time Homebuyer Program.

Conventional Mortgages

Fixed-rate or adjustable-rate options with as little as 5% down.

FHA Loans

More lenient credit and income requirements with as little as 3.5% down.

FHA Loans

Home Affordability Calculator

Have questions before you apply?

Fill out this quick form to chat with a MECU homebuying expert.

Get in Touch with a Home Loan Expert

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.

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