Whether you’re buying your first home or upgrading to your dream house, FedChoice has you covered with tools that give you a firm foundation, no matter what the housing market is doing.

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Additional perks:
  •  Online loan consultant to help find the product and rate that matches your needs
  •  Financial calculators to help you save, borrow, buy a home, and plan for retirement
  •  GreenPath financial wellness programs and webinars
  •  Insurance options for your home, federal career, and more
  •  A free credit report and review with a certified credit counselor


Let's talk about the options that are best for you.

Drop us a note online or call the Real Estate Department today: 301.699.6126.

We look forward to helping you buy a home.


1 95% financing for condos. Mortgage: Rates and terms based on credit criteria; your rate may differ. All loans subject to credit approval. Origination fee (1% of the loan amount). Fixed-Rate Loans: The interest rate charged and the APR are constant for the life of the loan. There are still certain costs such as mortgage points, appraisal, title, and loan processing fees, etc. associated with "no money down"/100% financing mortgage loans. Members should consult a tax advisor for information regarding the deductibility of interest and charges.

Adjustable-rate mortgage rates are fixed for a specified period of time before they transition to an adjustable, or variable, rate. After the initial fixed-rate period, the interest rate can increase or decrease significantly during the remaining term of the loan, according to the market index. Any change may significantly impact the monthly payment. An adjustable rate mortgage allows the financial institution to change the interest rate at certain points during the term of the loan. Adjustable-rate mortgages often start with a low interest rate, even sometimes below market rates. The rate can increase or decrease significantly over the life of the loan. Adjustable-rate mortgages available only for single family, townhomes, condominiums, multi-family and non-FedChoice mortgage refinances. Not available for manufactured, Co-operatives or mobile homes.

Maximum Refinance Loan Amount: Maximum loan amounts 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.

Variable rate for the Gold Home Equity Line-of-Credit is based on The Wall Street Journal Prime. Rate adjusted monthly. The Gold Home Equity Line-of-Credit is subject to a floor of 3.50% APR.  Not all applicants will qualify for the lowest rate. The Smart Choice Home Equity Loan and the HELOC must be secured by the owner-occupied primary residence. Homeowner’s insurance is required. All loans are subject to credit approval. The amount borrowed for renovation together with any other mortgages cannot exceed 90% of the after-renovation property value on 1-to-4 family owner-occupied primary properties. Among the ineligible property types are investment properties (defined as non-owner-occupied), co-ops, mobile homes, and manufactured houses. Homeowners property insurance is required. Flood insurance may be required. Fees and charges may apply. Membership eligibility is required.