First-Time Homebuyers

Buying your first home has never been easier

HELOC

12-month introductory fixed rate as low as 3.99% APR* then an ongoing variable rate as low as Prime minus 0.25%*

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Get a 0.25% rate* discount when buying your first home

From FHA or conventional to fixed- or adjustable-rate (ARM), find the right mortgage for you

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.

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. 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.

FHA Loans

Home Affordability Calculator

Have Questions? Get in Touch With a Loan Expert

Money Market Account

Grow Your Balance with Higher Rates

Earn more on higher balances while keeping your funds accessible.

Start Saving

First-Time Homebuyers

Buying your first home has never been easier

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

Guiding you home with confidence.

Buy your first home for less.