COVID-19 Delta Variant Mask Mandate

Face coverings that cover the nose and mouth are now required in all indoor public settings in the City of Boston, Bedford, and Billerica.

Mortgages

Credit Union Mortgage Center

Home Loans

Whether you’re looking to refinance your mortgage, buying your first, second, or third home, vacation home,  or investment property, we have a mortgage product to fit your needs with competitive mortgage rates.

30 Year Fixed Rate

2.996%

Annual Percentage Rate

20 Year Fixed Rate

2.668%

Annual Percentage Rate

15 Year Fixed Rate

2.341%

Annual Percentage Rate

5/1 Year ARM

2.875%

Annual Percentage Rate

Refinancing

Investment Property &
Second Home

  • We offer investment property loans for those interested in buying second homes and investment properties, including one- to four-unit residential properties and vacation properties.

A Mortgage for Every Borrower

Because every borrower is unique, HFCU offers a variety of mortgage options. From fixed-rate loans to first-time homebuyer programs, HFCU has the home loan you need. Our portfolio of low-rate mortgage products includes:

  • Fixed-Rate Mortgages - 10, 15, 20 and 30-year
  • Adjustable Rate Mortgages (ARMs) - 5/1, 7/1 and 10/1 ARMs
  • Jumbo Mortgages
  • VA Loans
  • First-Time Homebuyer Loans

Call our mortgage experts to see which program is best for you. Or, click the button below to apply online.

Apply Now

Is Investment Property Ownership Right for You?

Thinking About Property Investment?

Our guide “Is Investment Property Ownership Right for You?” will help you assess your goals and evaluate the personal and financial considerations of becoming an investment property owner.

Are you looking for:

  • Supplemental income for full-time employment?
  • Supplemental income for retirement?
  • A way to make extra money?
  • A new hobby in retirement?

Learn about the different types of properties available, which is right for you, and what you need to know about financing a property and generating a healthy cash flow.

Learning Center

Learn everything you need to know about mortgage loan options, application requirements, and what to expect at your loan closing. Check our huge glossary for mortgage terms that might be unfamiliar to you.

First-time homebuyers, download your free copy of The Road to Homeownership. It’s never too early to start planning!

Read the latest posts about Home Ownership on HFCU’s MoneyWisdom Blog. Keep on top of recent news, promotions, and other home buying and home financing topics.

Contact Us with Your Home Loan Questions

If you're interested in learning more about the mortgage process or just have questions, please complete the form below and a mortgage specialist will contact you within 48 hours. We'll give you all the information you need so you can confidently – and easily – make your own decision, the one that's right for you.






 
Security
  captcha code for visual authentication  letter L number 5 letter K number 4

Real Reviews from Real Hanscom FCU Members