Buying a home or looking to refinance? We make it easy and affordable.

We offer a variety of low-cost mortgages to help you buy your first home, next home, or refinance an existing home loan. We also offer investment property options for real estate investors.

We are currently experiencing a high volume of mortgage applications. Our team of mortgage professionals are diligently reviewing applications as quickly as possible. Thank you for your patience.

First-Time Homebuyer Loans

Special discounts and loan options designed specifically for first-time homebuyers.

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FHA Loans

Lower down payment option with more lenient credit and income requirements than conventional mortgages.

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Fixed-Rate Mortgages

Low, fixed-rate loans with a rate that never goes up and a variety of repayment terms.

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Adjustable-Rate Mortgage

Start with our lowest fixed-interest rate for a specified period followed by an adjustable-rate that can go up or down with the market.

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Refinance Your Home Loan

Refinancing can help you get extra cash, lower your interest rate, lower your payment, or shorten your term.

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Residential Investment Property Loans

Financing for the purchase, renovation, or refinance of residential investment property.

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Mortgage Resource Center (opens in a new tab)

Research your various options to find the home loan that fits your budget and lifestyle.

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Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on mortgage loans and other home equity and improvement lending products.