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Our branches are open. Masks are required. Please note that our Moakley branch is currently open on Mondays and Wednesdays only. 


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


Annual Percentage Rate

20 Year Fixed Rate


Annual Percentage Rate

15 Year Fixed Rate


Annual Percentage Rate

5/1 Year ARM


Annual Percentage Rate


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.

HFCU Mortgages

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.

Video: “Getting a Mortgage”

welcome to financial fitness minute getting a mortgage

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.

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Real Reviews from Real Hanscom FCU Members

Great rate and an even a better experience.


Refinance to a 15 year fixed rate, the process was easy as it was all completed electronically. The staff was friendly and there was hardly any lag time even during the COVID -19 pandemic. I would definitely recommend HFCU.

Boston, MA


Thank you Hanscom


Thank you for making life easy. Great employees that truly care! The only let down is the online payment portal. It needs an update, please! The process of transferring funds from checking to make a mortgage payment is too difficult and not streamlined. I also dislike the amount of time it takes to see the mortgage payment reflect the new balance after making a payment. Lastly, it would be nice to have the option to make a principal only payment without using a different tab it should be integrated within the normal mortgage payment screen.

Boston Ma


Great Value and friendly, smart staff


Excellent process and value; rate lower than anticipated

Hollis NH


Fast and easy


Refinancing my mortgage with Hanscom was remarkably easy. Well done. Many thanks.

Savannah GA


Easy and simple


During a hectic time it w we as an easy close.



Best customer service.


Best customer service in the industry. I will recommend HFCU to everyone I know.

Rockland, Massachusetts 02370


Home equity and Mortgage.


My review is based on the home equity loan I applied for and the Mortgage. All in all both went well and I'm happy with my rate. I love the convenience of the mortgage being linked to my checking and savings account. The people I worked with in the mortgage department were great. They answered all my questions promptly and also found me an attorney for closing. My only criticism was at times I would get different answers from different individuals then in the end the outcome was different than the answer I got. The HELOC loan experience was not good at all. The woman I spoke with told me my payments would be very low, 3-$400 a month because it was an interest only loan which turned out to be very inaccurate. The payments were in the thousands. I would not recommend HFCU for a HELOC or perhaps deal with someone who is able to give accurate information and also focus on the customer. It's okay to be personable, but this woman literally kept me in her office for hours talking about herself. I would recommend the mortgage dept. and the attorneys they recommend.

Dedham, Ma.


Remarkably Easy and Customer Friendly!


I can not adequately express how happy I am that I worked with HFCU on my home loan and HELOC. They go above and beyond any bank or credit union I've worked with to make the process transparent and easy. I highly recommend and won't go anywhere else.

Ipswich, MA


Fast and easy service


I like that the loan processing took me a lot faster than the previous bank that I applied to. I get a response immediately from them if I have a question and they always make sure my application is on track. The rate is not the best and the agencies they hire to do appraisal are not the greatest but I like Hanscom in general.



Overall Satisfied with HFCU


Overall the process went smooth but only if I stayed on top of them. I had to do alot of the leg work to make sure things kept moving along.



Mortgage Reviews

4.5 94