Mortgage Loans

Our mortgage programs are designed to meet the needs of our unique membership; in addition to traditional mortgage products, our offerings include a First-Time Homebuyer Program for members with little or no U.S. credit history and limited down payments.

Financing is available on primary residences, second homes, and investment properties. Our Mortgages are serviced by BFSFCU, we offer flexible terms and great rates, and fixed and adjustable rate programs. BFSFCU can help you get where you want to be. Visit our full service Mortgage Loan Center where you will find helpful information to assist you in understanding our mortgage programs and the mortgage process.

Real Estate Loan Center

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Chat with a Realtor

Interested in discussing details about home buying or home selling with Real Estate experts? Meet one of HomeAdvantage's agents at one of our branches.

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All About Mortgages

 Learn about our mortgage features and costs, different types of mortgages, how to apply and more. Visit our Financial Education Center.

Loans to $453,100
10/1 ARM 30 Year 4.000% 4.509% 0.000%
7/1 ARM 30 Year 3.625% 4.510% 0.000%
5/5 ARM 30 Year 3.500% 4.648% 0.000%
5/1 ARM 30 Year 3.375% 4.603% 0.000%
3/3 ARM 30 Year 3.000% 4.642% 0.000%
Ten and Done (3 Yr ARM) 2.250% 3.525% 0.000%
Conforming 30 Yr Fixed 4.625% 4.669% 0.000%
Conforming 15 Yr Fixed 4.000% 4.075% 0.000%
High-Balance Loans*
High-Balance 30 Yr Fixed 4.750% 4.776% 0.000%
High-Balance 15 Yr Fixed 4.250% 4.294% 0.000%
Jumbo Loans above $453,100
10/1 ARM 30 Year 4.000% 4.486% 0.000%
7/1 ARM 30 Year 3.625% 4.488% 0.000%
5/5 ARM 30 Year 3.500% 4.625% 0.000%
5/1 ARM 30 Year 3.375% 4.581% 0.000%
3/3 ARM 30 Year 3.000% 4.619% 0.000%
Ten and Done (3 Yr ARM) 2.250% 3.469% 0.000%
BF Jumbo 15 Year Fixed 4.250% 4.285% 0.000%

* High-Balance mortgage loans are loans with original principal balances that exceed the general loan limits, but meet the high-cost area loan limits. High-cost loan limits are the limits that will apply in high-cost areas as defined by the Federal Housing Finance Agency (FHFA). Rates are subject to change at any time. To view all of our mortgage products and rates, or to find a mortgage to meet your specific needs, please click on the button below.

Get a Custom Rate Quote

Hear what members are saying about buying a home with BFSFCU. Credit Union members Marie and Hala and staff member Carmen share their experiences and insights into the home buying process in this brief video.

Walk-in Appointments

For your convenience, a Loan Officer will be available in the branches for walk-ins from 10:00am to 2:00pm or during normal office hours at our 1725 I Street location. Members will be served on a first-come first-served basis.

Schedule an Appointment

If you would like to secure a time to meet with a Loan Officer, you may schedule an appointment with a Loan Officer in our 1725 I Street location by calling (202) 212-6400 or in one of our branches from the available time slots below. Please note that members who do not have a World Bank — or IMF — issued identification card will need to visit our IMF/IFC locations and provide proof of membership to gain access to our branches. Acceptable proof of membership includes BFSFCU-issued debit or credit cards issued in the member's name, checks, or old BFSFCU membership cards.

Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website,, and enter your zip code. You can also access HUD’s housing counseling agency website via or by accessing HUD’s counseling agency web service directly via For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).

Please note that Bank-Fund Staff Federal Credit Union does not participate in CEMA loans in the State of New York.

For pre-approval applications, a current payroll statement and bank statement for assets verification will be required to process your request.