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.
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 October 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 and may vary based on creditworthiness, loan amount, loan term, occupancy, property type, loan-to-value ratio, documentation type, and other underwriting factors. Loans are subject to approval criteria. Not all applicants will qualify for the advertised rate, and your APR may be higher than the rate shown. Advertised mortgage APRs are based on a $250,000 loan. Payments shown do not include taxes and insurance; actual payment obligations may be greater. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions. 2Jumbo mortgage financing is available for loan amounts over $832,750. Advertised 15, 20, and 30-year fixed mortgage rates do not apply to Jumbo Mortgage loans.
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. ates are subject to change without notice and may vary based on creditworthiness, loan amount, loan term, collateral, occupancy, and other factors. Adjustable-rate mortgages may increase or decrease in accordance with the terms of the loan. Loans are subject to approval criteria. Not all applicants will qualify for the lowest advertised rate, and your APR may vary from the rate shown. Advertised mortgage APRs are based on a $250,000 loan. Payments do not include taxes and insurance; actual payment obligations may be greater. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions. 2Jumbo mortgage financing is available for loan amounts over $832,750. Advertised 15, 20, and 30-year fixed mortgage rates do not apply to Jumbo Mortgage loans.
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.
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.
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.
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.
Frequently Asked Questions (FAQs)
What types of mortgages does SRFFCU offer?
SRFFCU offers fixed-rate and adjustable-rate mortgages for purchases and refinances.
Does SRFFCU offer mortgages for both home purchases and refinances?
Yes. SRFFCU offers mortgage financing for home purchases as well as refinance transactions.
How do I make a payment?
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
Is there a penalty for paying off my mortgage quicker than the assigned payment schedule?
No, SRFFCU will not charge any prepayment penalties.