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Whether you’re buying a home, making a move, refinancing or renovating, we have an option for you! From Jumbo mortgage loans to funding your next project based on post-renovation home values, let us help you find the financing you need. 

FedChoice Mortgage Programs

From 100% financing to Adjustable-Rate  Mortgages (ARMs) to Jumbo mortgage loans and everything in between, let us help you find the loan you need. Learn More about our mortgage programs to find the one that best suits your needs!

Home Equity Loans and HELOCs

Use equity built up in your home to make home improvements, consolidate debt, pay for education costs, or cover unexpected expenses! With Home Equity and HELOC options, FedChoice could give you the flexibility you need as you grow.

RenoFi Home Renovations

Get cash for renovations today! Use the expected value of your home post-renovation rather than your home's current equity to finance your entire home upgrade project. Borrow all of the money you need to upgrade your home, at the lowest rate possible. 


Mortgage:Rates and terms based on credit criteria; your rate may differ. All loans subject to credit approval. Must be owner-occupied primary residence. May be a first or second lien. Fixed-Rate Loans: The interest rate charged and the APR are constant for the life of the loan. /Maximum Refinance Loan Amount: Maximum loan amount are determined by your county's conforming loan limit. Finance charges begin on the date the loan is made. Interest will continue to accrue until the first payment has been received, which is due within 30 days of settlement but subject to change. Offer subject to change without notice. Consumer mortgage loans only. FedChoice NMLS # 399841 provides mortgage loans by partnership with myCUmortgage, LLC. NMLS # 565434 and Credit Union Mortgage Association (CUMA) for properties located in AK, HI, and NY. NMLS # 296727.

Home Equity Loans/RenoFi Home Renovation Loans: All rates are quoted on approved credit APRs. APR: Annual Percentage Rate. Loan approval is subject to credit, income and property valuation. Owner occupied primary residence. 1st or 2nd lien, no pre-payment penalty. FedChoice Federal Credit Union’s normal underwriting requirements apply. Property insurance will be required. On average, closing costs may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the deductibility of interest and charges. Maximum 90% CLTV (Combined Loan to Value). Minimum loan amount of $10,000; maximum loan amount of $250,000. May be subject to credit qualification and appraised property value. This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. A loan application is required to be submitted to FedChoice Federal Credit Union subject to these terms, conditions, disclosures, and requirements to potentially take advantage of this offer. FedChoice NMLS # 399841 provides Home Renovation Loans by partnership with Renovation Finance, LLC DBA RenoFi NMLS # 1802847.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be reviewed. To receive a copy of this information, send a written request to FedChoice Federal Credit Union, 10001 Willowdale Road, Lanham, MD 20706.