All SRFFCU locations will be closed on July 4 in observance of Independence Day.

Routing #226078379

Online Banking
Join Now

Mortgages

SRFFCU offers mortgage options for homebuyers and homeowners who want competitive rates, lower fees, and personal guidance along the way. Buying your first home? Refinancing? Comparing loan options? No matter the reason, Self Reliance Financial Federal Credit Union’s home loan options are designed to make the process feel more manageable.

Couple embracing and smiling at each other in their house's kitchen

Mortgage Options for Different Goals

Your ideal mortgage should match your plans, your budget, and the level of payment stability you prefer. At SRFFCU, we offer fixed‑rate and adjustable‑rate mortgages for both purchases and refinances, so you can choose the option that aligns with your long‑term needs.

All rates listed on this page are valid as of July 1, 2026 and are subject to change without notice.

Fixed-Rate Mortgages

A Fixed-Rate Mortgage gives you consistency from the start. If you want a stable interest rate and a monthly principal and interest payment over the life of the loan, this option can make long-term planning easier. SRFFCU offers several fixed-rate terms, which makes this a strong fit for members who value predictability.

Here are our current fixed-rate mortgage rates:

Fixed Rate | Refinance / Purchase Type Term Rate APR1 Monthly Payment
0% origination 10 Year As low as 5.750% As low as 5.864% $2,744.24
0% origination 15 Year As low as 6.250% As low as 6.338% $2,143.56
0% origination 20 Year As low as 6.250% As low as 6.320% $1,827.33
0% origination 30 Year As low as 6.250% As low as 6.303% $1,539.30
1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact SRFFCU for more details. 2SRFFCU can finance Jumbo Mortgages (over $832,750). Not applicable to advertised 15, 20, and 30-year fixed-rate mortgages. Visit the Rates page to see representative examples. *Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply. Example based on a $250,000 loan. These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

Adjustable Rate Mortgages

An Adjustable Rate Mortgage (ARM) may be a great option if you’re looking for a lower initial rate and expect to move, refinance, or pay down your loan before the rate adjusts. SRFFCU offers several ARM options, giving you the flexibility to choose a mortgage that fits your plans and timeline.

Current adjustable-rate mortgage rates:

Adjustable Rate Mortgages Type Term Rate APR1 Monthly Payment
3 / 3 Year – 0% origination 30 Year As low as 5.625% As low as 5.675% $1,439.15
5 / 5 Year – 0% origination 30 Year As low as 5.875% As low as 5.923% $1,478.85
7 / 7 Year – 0% origination 30 Year As low as 6.125% As low as 6.173% $1,519.03
1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact SRFFCU for more details. 2SRFFCU can finance Jumbo Mortgages (over $832,750). Not applicable to advertised 15, 20, and 30-year fixed-rate mortgages. Visit the Rates webpage to see representative examples. *Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply. Example based on a $250,000 loan. These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Family sitting outside of a home

First-Time Homebuyer Resources

Buying your first home can feel exciting, but it can also bring a lot of questions. Self Reliance Financial Federal Credit Union offers first-time homebuyer resources to help future homeowners better understand the process, prepare for the financial side of buying, and feel more confident about what comes next. The guide below offers a helpful place to start.

First-Time Homebuyer Guide

Why Finance Your Home with SRFFCU?

SRFFCU combines the digital convenience people expect with the personal service many larger institutions no longer provide. Members can expect:

  • Mortgage options tailored to your needs
  • Competitive rates that put members first
  • Personalized guidance from your credit union
  • Real support from a team that understands homebuying and refinancing

This combination makes a real difference when you want a lender that feels accessible and genuinely invested in helping you move forward.

Couple moving boxes into their new home
Couple embracing while reviewing financial documents for their new home

Start Your Mortgage Journey

Whether you’re buying, refinancing, or still weighing your options, Self Reliance Financial Federal Credit Union can help you take the next step with mortgage solutions built around your goals.

Apply Now

Start Your Mortgage Journey

Whether you’re buying, refinancing, or still weighing your options, Self Reliance Financial Federal Credit Union can help you take the next step with mortgage solutions built around your goals.

Apply Now

Disclosures

Read more about SRFFCU’s Disclosures.

Learn More

Frequently Asked Questions (FAQs)

What types of mortgages does SRFFCU offer?

SRFFCU offers fixed-rate and adjustable-rate mortgages for purchases and refinances.

Yes. SRFFCU offers mortgage financing for home purchases as well as refinance transactions.

Mortgage payment options:

  • Set up AutoPay or Bill Pay with SRFFCU
  • Online and Mobile Banking payment
  • In-person payments at one of our branches in Maryland, New Jersey, New York, and Pennsylvania
  • Pay by mail

No, SRFFCU will not charge any prepayment penalties.