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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

Hanscom Federal Credit Union Rules!


My experience, with the HFCU, on my recent mortgage, was fast and easy. Their mortgage specialists were incredibly helpful, timely, responsive and they did a great job stewarding me through the process. I highly recommend them for anyone looking to obtain a mortgage on a new home.

Stoneham, MA


Excellent Loan Process


The HFCU Mortgage Process was very good. The overall value and ease of applying was excellent and seamless. The overall approval time was very good considering the COVID Environment, although there were a few instances where a few weeks went by before we heard back from our initial servicing representative to questions we had or information we provided to assist in the approval process. Liz P. was most helpful in sorting things our and expediting the process. Overall, we would highly recommend the HFCU to anyone seeking a first class financial institution. We are most happy with all that HFCU offers day in, and day out.

Quincy, MA


Grate rate, good options


This is our 3rd mortgage with HFCU- love them and great working with Diane!

Quincy, MA


Painless and smooth refinance


Liz was great to work with and was very agile in helping me re-apply when loan rates declined during the refinancing process. Exceptional service amidst all of the business disruption and dysfunction caused by the Covid-19 pandemic.





The experience was exceptional!! The interaction with Joan was truly amazing and unique. Never have I been treated so well by any financial institution in my all my years of life!! Scott and Danielle too were exceptional and made the process expeditious & enjoyable! Thank you to all the Hanscom team!! 🇺🇸 Robert

Bedford/Burlington MA


Excellent from start to closing!


Great rates, flexible products, and a process that couldn't have been easier.

Newburyport, MA


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


Mortgage Reviews

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