Mortgages

Whether you're buying a home or refinancing, we offer flexible options to meet your needs:

• Fixed-rate mortgages: steady payments for 15, 20, or 30 years
• Adjustable-rate mortgages (ARMs): capped rates, ideal for lower payments or short-term ownership
• Jumbo loans: for higher-value properties
• Investor loans: for rental or income properties
• No prepayment penalties on any FBFCU mortgage

StartRate Protection comes built-in with our 5/5 Adjustable Rate Mortgage—so if rates drop before you close, you get the lower rate automatically.

• Fixed rate for the first 5 years of the 30-year term
• 1% origination fee waived
• StartRate Protection included
• Start rate always below our 30-Year Fixed Rate Mortgage

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VA loans help service members, veterans, and surviving spouses buy, build, or improve a home with flexible, VA-backed financing. 

• No mortgage insurance required
• Low or no down payment
• Lower closing costs (sometimes covered by the seller)
• No early repayment penalties
• Reusable benefit for future home purchases
• Potential payment assistance through the VA

FHA loans are a great option for first-time buyers, or those with limited savings or lower credit scores (as low as 580), who may not qualify for conventional financing. They can also help to cover payments and closing costs.

• Down payments as low as 3.5%
• Lower closing costs
• No high credit score required

USDA loans help eligible rural buyers with low- to moderate-income finance up to 100% of a home’s value, backed by a 90% loan guarantee.

To qualify, applicants must:

• Meet income and credit requirements
• Use the home as a primary residence
• Be a U.S. citizen or qualified non-citizen
• Purchase a property in a USDA-eligible area
• Not suspended or debarred from federal programs

While 30-year mortgages offer lower monthly payments, a 10-year mortgage can save you money and build financial freedom faster.

• Pay off your home sooner and reduce long-term interest
• Build equity faster, giving you more borrowing and refinancing options
• Gain financial flexibility sooner to focus on investing, growing a business, or pursuing other goals