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Home Loans

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Lay the foundation of your future with a loan built to last.

Whatever home means to you, our mortgage and home equity options offer thoughtful support for today’s plans and tomorrow’s goals.

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Competitive Rates
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Flexible Terms
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Easy Auto-Payments
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Mortgage Loans

From big dreams to front doorsteps, get financing that works for you.

  • Traditional Fixed-rate Mortgage
  • 100% Mortgage
  • Medical Professional Mortgage
  • HomeFree Home Loan
  • Mortgage Refinances
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Home Equity Loans & Lines of Credit

Don’t waste your pennies on wishing wells; secure the funds to get things done!

  • Competitive low rates
  • No closing costs1
  • Flexible terms
  • Range of options available
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Our Rates

Mortgages
Home Equity Loans
Homefree Home Loans

Mortgages

Fixed Rate
Adjustable Rate
Loan Type
Term
Points
Rate
APR* as low as

Fixed First Mortgage

Term
30 years
Points
0
Rate
6.750
%
APR* as low as
6.873
%
Term
30 years
Points
0.750
Rate
6.500
%
APR* as low as
6.695
%
Term
20 years
Points
0
Rate
6.375
%
APR* as low as
6.534
%
Term
20 years
Points
0.875
Rate
6.125
%
APR* as low as
6.395
%
Term
15 years
Points
0
Rate
5.875
%
APR* as low as
6.071
%
Term
15 years
Points
0.750
Rate
5.625
%
APR* as low as
5.939
%
Term
10 years
Points
0
Rate
5.750
%
APR* as low as
6.028
%

First Mortgage 100% Financing

Term
30 years
Points
0
Rate
7.125
%
APR* as low as
7.251
%

Medical Professional Mortgage

Term
30 years
Points
0
Rate
7.000
%
APR* as low as
7.125
%

*APR= Annual Percentage Rate. Calculate estimated payment. The monthly payment shown does not include taxes, insurance or other applicable escrows. The actual payment obligation will be greater when these are applied. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, income, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan.

Loan Type
Term
Points
Rate
APR* as low as

ARM 10 Year

Term
30 Years
Points
0
Rate
5.875
%
APR* as low as
6.287
%

ARM 7 Year

Term
30 Years
Points
0
Rate
5.625
%
APR* as low as
6.286
%

ARM 5 Year

Term
30 Years
Points
0
Rate
5.375
%
APR* as low as
6.320
%

*APR= Annual Percentage Rate. Calculate estimated payment. The monthly payment shown does not include taxes, insurance or other applicable escrows. The actual payment obligation will be greater when these are applied. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, income, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan.

Home Equity Loans

Fixed Rate
Line of Credit
Loan Type
Term
Points
Rate
APR* as low as

Home Equity Fixed

Term
5 yrs; 80% LTV
Points
0
Rate
6.875
%
APR* as low as
7.028
%
Term
5 yrs; 90% LTV
Points
0
Rate
7.375
%
APR* as low as
7.540
%
Term
5 yrs; 95% LTV
Points
0
Rate
7.875
%
APR* as low as
8.051
%
Term
10 yrs; 80% LTV
Points
0
Rate
7.375
%
APR* as low as
7.464
%
Term
10 yrs; 90% LTV
Points
0
Rate
7.875
%
APR* as low as
7.970
%
Term
10 yrs; 95% LTV
Points
0
Rate
8.375
%
APR* as low as
8.477
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.875
%
APR* as low as
7.944
%
Term
15 yrs; 90% LTV
Points
0
Rate
8.375
%
APR* as low as
8.449
%
Term
15 yrs; 95% LTV
Points
0
Rate
8.875
%
APR* as low as
8.954
%

Jumbo Home Equity Fixed

Term
10 yrs; 80% LTV
Points
0
Rate
7.375
%
APR* as low as
7.460
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.875
%
APR* as low as
7.941
%

*APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment.
**Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and term. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Rates are subject to change.

Loan Type
Intro APR*
(12 months)
Standard APR* as low as
Floor Rate

HELOC 80% LTV*

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
3.00% floor rate

HELOC 90% LTV*

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.25% (currently 7.00%)
Floor Rate
3.25% floor rate

Jumbo HELOC (Over $200K) Max 80% LTV*

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
4.00% floor rate

*APR=Annual Percentage Rate. The introductory rate of 5.99% APR is fixed for the first 12 months, after which the rate will adjust annually on the anniversary date of the line of credit to the current Prime Rate published in the Wall Street Journal. Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Maximum rate is 18.00% APR. Rates . There are minimum loan amounts required. Contact us for minimum loan amounts, maximum loan amounts, and loan-to-value requirements.

Homefree Home Loans

Loan Type
Term
Rate
APR* as low as

Homefree Home Loan

Term
15 years
Rate
6.750
%
APR* as low as
6.807
%
Term
10 years
Rate
6.375
%
APR* as low as
6.451
%
Term
5 years
Rate
6.125
%
APR* as low as
6.262
%

*APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment.
**Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and upon refinancing your non-JHCU loan. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Rates are subject to change.

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Everyone I have ever spoken to in my years with JHCU has been very professional, caring and knowledgeable.

I have never been left hanging or felt like a number.

- Dewayne D

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Disclosures

1The closing costs will be added back to the loan payoff balance if the loan is paid in full within the first three years. APR=Annual Percentage Rate. The rate you receive will be based on certain creditworthiness. Please ask us for the rate for which you qualify. Maximum rate is 18.00% APR. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts, and loan-to-value requirements. JHCU can finance your Home Equity Line or Loan in Maryland, Virginia, Washington, D.C., Delaware, and Pennsylvania. Additional conditions apply. Contact our Mortgage Department at mortgages@JHFCU.org for additional information. NMLS# 509565.

*APR = Annual Percentage Rate.

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Routing Number:
252076235
NMLS#:
509565
Local Phone:
410.534.4500
Toll-Free Phone:
800.543.2870

Johns Hopkins Credit Union (JHCU) is a federally chartered credit union completely independent from Johns Hopkins University, Johns Hopkins Health Systems, and any of the Johns Hopkins schools, hospitals, or programs. JHCU holds a license to use the “Johns Hopkins” registered mark. JHCU serves the employees, students, retirees and Alumni Association members of the Johns Hopkins University, employees and retirees of the Johns Hopkins Health System and its hospitals, and employees and retirees of other select entities. JHCU is wholly owned by its members. Neither Johns Hopkins University nor Johns Hopkins Health Systems select, endorse, or are responsible for the goods and services offered by JHCU.

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