Mortgage Loans

Find Your Home Financing Solution with JHFCU

At JHFCU, we’re here to make homeownership and home improvement within reach. Whether you’re buying your first home, looking to refinance, or tapping into your home’s equity, our flexible mortgage and home equity options are designed to meet your unique needs. Discover how JHFCU can support your journey to achieving your home goals today.

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Discover the Benefits of a JHFCU Home Loan

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Competitive Rates

Enjoy attractive rates and programs tailored to your unique needs.

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Flexible Terms

Choose the ideal loan length and payment plan that best fits your budget.

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Streamlined Process

Experience a smooth home loan experience with less paperwork hassle.

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Local Decision-Making

Get the personalized attention your home loan deserves.

100% Mortgage

Designed for first-time buyers, our 100% Mortgage Loan helps qualified members purchase a primary residence without a down payment or private mortgage insurance.* Start your journey to homeownership today.

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Physician's Mortgage

Designed with the needs of medical professionals in mind, our Physician's Mortgage offers up to 100% financing and a set payment for the life of your loan.*

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Fixed Rate Mortgage

The traditional fixed-rate, fixed-term mortgage works for borrowers looking for a set monthly payment for the life of the loan.

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Adjustable Rate Mortgage

ARMs begin with a fixed rate for a set period, then adjust twice a year based on market conditions.

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HomeFree Home Loan

A refinance mortgage with no closing costs that may benefit you if you are looking for a lower loan balance or shorter loan term.

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80/10/10

Avoid mortgage insurance with this combination first mortgage/home equity option.

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Mortgage Refinance

Lower your monthly mortgage payments and save thousands of dollars over the life of your loan with a mortgage refinance.

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FAQs about JHFCU Home Loans

How does private mortgage insurance (PMI) impact my loan?
Lenders typically require PMI for loans with less than a 20% down payment. This additional cost can increase your monthly mortgage payment. However, it allows you to qualify for a loan with a lower down payment.
Are conventional loans a good fit for everyone?
A conventional mortgage loan from a credit union offers competitive rates and flexible terms. These loans often have fewer restrictions than government-backed loans, making them a popular choice for those who qualify.
How do mortgage insurance premiums affect my loan?
Mortgage insurance premiums can increase your monthly mortgage payment. However, they allow you to qualify for a loan with a lower down payment and make homeownership more accessible.
Can I use a JHFCU home loan for a cash-out refinance?
Yes, our loan products include cash-out refinance options to tap into your home's equity. This can be a great way to consolidate debt, fund home improvements, or cover unexpected expenses. We can help you determine the ideal loan amount for your needs.

More Financing Options for You

Rewards Credit Card

Use rewards for travel, gift cards, purchases with Amazon, and more. Earn up to 4x points and earn an additional 10,000 bonus points after you spend $2,500 in the first 90 days. All this with $0 annual fee!

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