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Dream Big - 2025 - Home Loans - Google

Why HFCU?

Wide Range of Loan Options

No-Money-Down Loans, Multi-Family Homes, First-time Homebuyer Loans, Fixed-Rate Mortgages, Adjustable-Rate Mortgages (ARMs), Jumbo Mortgages, VA Loans

Pay Less

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.

Apply with Ease

We make it simple to apply for an home loan. Apply, sign, and get a fast decision. No hidden fees. No application fees.

Refinance Your Home Loan

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Resources

Table data for Primary Residence Home Loans
Program Rate APR1 Points
30 Year Fixed Rate 6.500% 6.690% 0.000%
20 Year Fixed Rate 6.000% 6.244% 0.000%
15 Year Fixed Rate 5.750% 6.054% 0.000%
10 Year Fixed Rate 5.500% 5.927% 0.000%
1 Year Adjustable Rate 6.000% 3.053% 0.000%
5/1 Year ARM 5.990% 6.407% 0.000%
7/1 Year ARM 6.125% 6.432% 0.000%
10/1 Year ARM 6.625% 6.734% 0.000%
  • 1APR = Annual Percentage Rate.
Table data for Second Home Home Loans
Program Rate APR1 Points
30 Yr 2nd Home 6.875% 7.069% 0.000%
5/1 Year ARM 2nd Home 5.990% 6.407% 0.000%
7/1 Year ARM 2nd Home 6.125% 6.432% 0.000%
  • 1APR = Annual Percentage Rate.
Table data for Investment Home Loans
Program Rate APR1 Points
1-4 Family Investment / Fixed 15 YR 5.750% 6.054% 0.000%
  • 1APR = Annual Percentage Rate.
Table data for VA Home Loans
Program Rate APR1 Points
VA 30 Year 6.250% 6.556% 0.000%
VA 20 Year 5.750% 6.146% 0.000%
VA 15 Year 5.500% 5.994% 0.000%
  • 1APR = Annual Percentage Rate.
Table data for First Time Homebuyer Home Loans
Program Rate APR1 Points
HLPR 5/1 ARM First Time Homebuyer 6.115% 6.931% 0.000%
HLPR 7/1 ARM First Time Homebuyer 6.250% 6.941% 0.000%
  • 1APR = Annual Percentage Rate.
Table data for Jumbo Primary Residence Home Loans Home Loans
Program Rate APR1 Points
Jumbo 10 Year Adjustable Rate 6.625% 6.564% 0.000%
Jumbo 5 /1 Year ARM 5.990% 6.243% 0.000%
Jumbo 7/1 Year ARM 6.125% 6.267% 0.000%
  • 1APR = Annual Percentage Rate.

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: 08-12-2025

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

Mortgage Loan Payment Calculator

Use this calculator to determine your mortgage loan payment amount.

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Discount Offers

First Responders & Active Duty Discounts

Your service to our country and community means so much to us. For your dedication and patriotism, we extend the following discounts to you.

  • 0.25% rate reduction on personal automobile loans
  • $500.00 closing cost discount when closing a first mortgage loan. (Discount is capped at $500 per loan.)

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

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)

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Disclosures

*Loans are subject to approval. Not all applicants will qualify. Not all borrowers will qualify for the lowest rate.
*The actual rate will vary depending on the applicant’s creditworthiness. Rates are subject to change. Home insurance is required.