Our mortgage programs make buying your first home in and around Maryland easier and more affordable.

Our home loan experts will guide you through the homebuying process. Our special offers, great interest rates, and low-money-down mortgages can get you in your first home for less.
Get a 0.25% rate* discount when buying your first home
Our experts will help you navigate the homebuying process

MECU Credit Union's First-Time Homebuyer Program opens the door to more home for less.

We've put together the best options to help simplify the homebuying process in Maryland and save you money with our First-Time Homebuyer Program. 

Conventional Mortgages

Fixed-rate or adjustable-rate options with as little as 5% down.

FHA Loans

More lenient credit and income requirements with as little as 3.5% down. Learn more.

Ready to take the next step? Let's talk.

Get in touch with a home loan expert.

I didn't know I could become a homeowner, but MECU explained loans to me so well that I feel more confident in my ability to buy, and now I'm looking for a house.

Amanda G.
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 lending products.
*First-Time Homebuyer rate discount not available on all loan types, such as FHA Loans. Discount applies to first-time purchases in Baltimore City and Baltimore County.

Handbook on Adjustable Rate Mortgages
Adjustable Rate Pricing Disclosure
Home Mortgage Disclosure Act (HMDA) Notice