No-Money-Down Loans, Multi-Family Homes, First-time Homebuyer Loans, Fixed-Rate Mortgages, Adjustable-Rate Mortgages (ARMs), Jumbo Mortgages, VA Loans
Credit unions are not-for-profit financial institutions, which means all profits are returned to members by way of lower fees and loan rates. Rates at credit unions tend to be lower than at banks, and a lower rate can save you hundreds – even thousands – of dollars in interest payments over the life of the loan.
We make it simple to apply for an home loan. Apply, sign, and get a fast decision. No hidden fees. No application fees.

| Program | Rate | APR1 | Points | Alert Me |
|---|---|---|---|---|
| 30 Year Fixed Rate | 6.250% | 6.437% | 0.000% | |
| 20 Year Fixed Rate | 5.875% | 6.118% | 0.000% | |
| 15 Year Fixed Rate | 5.625% | 5.928% | 0.000% | |
| 10 Year Fixed Rate | 5.375% | 5.801% | 0.000% | |
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| Program | Alert Me | |
|---|---|---|
| 1 Year Adjustable Rate | Get personalized rate information. | |
| 5/1 Year ARM | Get personalized rate information. | |
| 7/1 Year ARM | Get personalized rate information. | |
| 10/1 Year ARM | Get personalized rate information. | |
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| Program | Alert Me | |
|---|---|---|
| 5/1 Year ARM | Get personalized rate information. | |
| 7/1 Year ARM | Get personalized rate information. | |
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| Program | Rate | APR1 | Points | Alert Me |
|---|---|---|---|---|
| 15 Year Fixed Rate | 5.625% | 5.928% | 0.000% | |
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| Program | Rate | APR1 | Points | Alert Me |
|---|---|---|---|---|
| VA 30 Year | 6.000% | 6.301% | 0.000% | |
| VA 20 Year | 5.625% | 6.019% | 0.000% | |
| VA 15 Year | 5.375% | 5.867% | 0.000% | |
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| Program | Alert Me | |
|---|---|---|
| HLPR 5/1 ARM First Time Homebuyer | Get personalized rate information. | |
| HLPR 7/1 ARM First Time Homebuyer | Get personalized rate information. | |
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| Program | Alert Me | |
|---|---|---|
| Jumbo 10 Year Adjustable Rate | Get personalized rate information. | |
| Jumbo 5 /1 Year ARM | Get personalized rate information. | |
| Jumbo 7/1 Year ARM | Get personalized rate information. | |
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APR = Annual Percentage Rate.
Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
Mortgages are available for 1 – 4 family residential properties. Mortgages are not offered in Alaska, Hawaii, New Mexico, New York or Texas. Rates and points shown are for members with the best credit profile. Other rates and points are available, based on your credit history, product selection, transaction type, and property value. Rates are subject to change. Hanscom Federal Credit Union membership required.
Rates effective: 05-05-2026
Active Duty/First Responders Closing Cost Discount
Active Duty Members and First Responders receive a $500.00 closing cost discount when closing a first mortgage loan with Hanscom Federal Credit Union.
Current active duty members in the United States Uniformed Services (Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps and Public Health Service Commissioned Corps)
First Responders would be defined as follows:
Paid or volunteer Firefighters, Police Officers (including Sheriffs and Sheriff's Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police), EMTs, Paramedics and 911 Dispatchers
Use this calculator to determine your mortgage loan payment amount.

$500 closing costs discount when closing a first mortgage loan!
(Discount is capped at $500 per loan)
Your service to our country and community means so much to us. For your dedication and patriotism, we extend a special first mortgage loan discount to you. Please check to see if you qualify.
First Responders:
Paid or volunteer Firefighters, Police Officers: including Sheriffs and Sheriffs' Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police; EMTs and Paramedics; and 911 Dispatchers
Current active-duty members:
United States Uniformed Services: Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard; NOAA Commissioned Corps; and Public Health Service Commissioned Corps
Please complete the form below and a member of the team will contact you with assistance.
Rates listed as of 4/28/2026. Rates are subject to change. Loan approval required. Terms, conditions and restrictions apply. Adjustible-rate mortgages may increase after the intitial fixed-rate period. Other rates and points are available, based on your credit history, product selection, transaction type, and property value. Hanscom Federal Credit Union membership required. Contact Hanscom Federal Credit Union for details. *View national and state average 5/1 ARM rates by month and state here.