Mortgage Loans

Our mortgage loans are designed to meet the needs of our unique membership.

That’s why BFSFCU offers timely approvals, a wide range of mortgage options at highly competitive rates, and an experienced mortgage team to help find the best home financing solution for you. New to the home buying and selling process? Our HomeAdvantage™ program can help you through it.


Mortgage Cash Reward
With Global Rewards, receive up to $750* in Cash Rewards at the closing of your mortgage loan.

Competitive rates
Choose a mortgage product from our competitively priced fixed-rate and adjustable-rate mortgages with low origination fees. Our competitively priced mortgage products are tailored specifically with the unique needs of our members in mind.

Check Rates

Quick & Easy Approval Process
Our loan officers are ready to help you get through your mortgage application quickly and hassle-free. Our processing times are some of the lowest in the market.

Personalized Service
Our team of experienced and knowledgeable Loan Officers are here to guide you through each step of the mortgage process and help you choose a mortgage product that fits your needs.

Expertise Lending to Members New to the U.S.
We offer financing solutions for members who recently moved to the U.S. and have little or no credit history established in the United States.

Loan Options

Buying or refinancing? We offer financing on primary residences, secondary homes and investment properties!

Flexible Terms

We offer flexible terms and competitive fixed and adjustable rates to help you get where you want to be.

First Home

We have options for first time home buyers with little or no U.S. credit history and limited down payments.

Full Service

Our Mortgages are serviced by BFSFCU, so no need to deal with other banks after you move in!

Need more information?

Visit our full service Real Estate Loan Center to understand our mortgages programs and all the steps of the process. Our Real Estate Representatives will help you every step of the way.

Real Estate Loan Center

Mortgage calculator

The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total amount you will eventually pay for the property. Further, mortgage payments typically will include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI). Use our mortgage calculator to see the impact of these variables along with an amortization schedule

Mortgage Calculator

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.

Schedule an Appointment

Chat with a Realtor

Schedule a virtual meeting with a HomeAdvantage real estate agent to discuss market trends and all your mortgages questions. Send us an email and we will connect you with the right real estate agent.  

Email Us

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.

*The mortgage cash reward will be applied as a lender credit at the time of the mortgage closing. Mortgages $250,000 and above will receive a mortgage cash reward of $750. Mortgages between $50,000 and $249,999 will receive a mortgage cash reward of $350. If the mortgage loan is rescinded, the mortgage cash reward will be forfeited. Excludes home equity loans and lines of credit.

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