Mortgage Loans

Get the best value for your home mortgage dollar at Mid-Atlantic Federal Credit Union (MAFCU). We offer a full range of options for home purchase and refinance–at some of the lowest rates around–together with a team of experienced Mortgage Representatives that can help you choose the right mortgage and make every step of the process simple and hassle-free.

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MAFCU offers an array of loan programs to suit your specific needs and budget. Check out our low rates on:

Loan Programs

  • Agency Conforming Loans—Fixed and Adjustable Rate
  • Agency Non-Conforming Loans—Fixed and Adjustable Rate
  • Non-Conforming Jumbo Loans—up to $2 Million
  • VA / FHA Loans
  • In-House Portfolio Loans
  • Second Mortgages (Fixed and Lines of Credit)

Property Types

  • Primary Residences
  • Investment Property and Second Homes
  • Condominium

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and one of our Experienced Mortgage Professionals will begin the process of saving you money on your mortgage.


  • Fixed-Rate Mortgages

    For added peace of mind, many homebuyers select a fixed-rate mortgage because its monthly payment of principal and interest never changes for the life of the loan.

    At MAFCU, we offer fixed-rate loans in all shapes and sizes: 30-year, 25-year, 20-year, 15-year, even 10-year.

    You might choose a fixed-rate loan if you want to lock in a low rate. If you have an Adjustable Rate Mortgage (ARM) now, refinancing with a fixed-rate loan can give you more monthly payment stability.

  • Adjustable Rate Mortgages

    With an adjustable rate mortgage (ARM), you benefit from a lower introductory rate for a set period of time (5, 7, or 10 years), so you may be able to get more house for your money. While the rate adjusts based on one of several market indices–and may increase–an ARM may still be a good choice if you plan on moving within three to 10 years, refinancing, or believe your income will increase enough to afford a potentially higher rate after the introductory period.

    All programs have a "cap" that protects you from your monthly payment going up too much at once. In addition, all ARM programs have a "lifetime cap"–your interest rate can never exceed that cap amount, no matter what.

  • Second Mortgages

    Second mortgages are taken out at the same time as a first mortgage as a way of borrowing a higher percentage of the property cost/value without having to pay mortgage insurance. The first mortgage is typically limited to no more than 80 percent of property cost/value and therefore does not require mortgage insurance. The second mortgage would represent 5- to 15 percent of the property cost/value

  • Nationwide Homeowners Insurance


    Protect the items you value most with auto or homeowners/rental insurance from Nationwide. As a MAFCU member, you'll benefit from:

    • Special discounted rates not available to non-MAFCU members.
    • Additional policy discounts.
    • Convenient monthly payment plan.
    • Personal service from a local agent.
    • Superior 24-hour claim service.
    • Solid reputation of the Nationwide Insurance Enterprise.


    Call your local Nationwide Insurance representative at (800) 213-1634 for questions or to request a free quote.