Our programs make buying your first home easier and more affordable.

Our home loan experts will guide you through the homebuying process. Our special offers, great 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
From FHA or conventional to fixed- or adjustable-rate, find the right mortgage for you
Our experts will help you navigate the homebuying process

Our First-Time Homebuyer Program opens the door to more home for less.

We've put together the best options to help simplify the process 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.

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