First Mortgage | HAR-CO Credit Union

Mortgage Loans

From dream to dream home. Just Blink.

First Time Home Buyer, New Home Purchase, Refinancing

Apply Online with Blink


Just Blink and You’re Home. Apply Today!

  • Safe, secure and easy online mortgage application. No appointment necessary.
  • Apply on your own time or with one of our loan experts.
  • Communicate with your Mortgage Officer anytime.
  • Securely upload supporting documents.
  • Eliminates paperwork.
  • Track the status of your loan.
  • Plus, if you have questions, we can login to see your screen in real-time and help you move through the process.

Lock and Shop

Never spend a day or dollar more than you need. Lock in your rate between 8 and 90 days. Even with no property.


Mortgage Rates





15 Year




20 Year




30 Year




VA 30 Year Fixed




FHA 30 Year Fixed



USDA Rural 30 Year Fixed 2.625% 0.000 3.281% 

*APR = Annual Percentage Rate. Rates subject to change weekly and or without notice. 360 monthly payments of $1,010.56 at 2.990% for each $240,000 borrowed. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. Your actual interest rate may differ depending on a number of factors, including your credit history and loan characteristics. This is not a credit decision or a commitment to lend. Rates shown above are based on transfer of servicing rights to a Har-co investor and could be higher if servicing is retained at Har-co. Offer available for purchases and refinances in MD, DE, PA. Must be primary residence. Purchase specials available. Property insurance is required. Flood insurance may also be required. Loan subject to credit approval. Membership eligibility required. Ask for details. Escrow options available. Rates effective as of 2/18/2021.

What Will My Mortgage Payment Be?

Mortgage Calculator

1st Mortgage Loans

Har-co Credit Union offers several mortgage options

          • Fixed rates with as little as 5% down payment with PMI
          • 97% financing for First Time Home Buyers
          • First Time Home Buyer and Community Partner grants available for down payment assistance 
          • FHA, VA, and USDA Rural
          • Mortgage terms from 10 to 30 years
          • Competitive interest rates
          • Available for MD, DE and PA
          • Local direct lender for fast, smooth transactions
          • Local experienced Mortgage Officers available for consultation

There is no substitute for our specialized service, and no surprises. You may have a lot of questions. Our Mortgage Officers will spend time with you discussing your financial scenario to determine which option is best for you. You can relax knowing that your dream of home-ownership is becoming a reality.

Meet Our Mortgage Officers

Experienced professionals you can count on!


Request a Mortgage Consultation with

Terry Miller-Snee

Mortgage Officer
410-838-9090 ext. 1249
Blink. Apply with Terry.
NMLS #663307


Angie Headshot

Request a Mortgage Consultation with

Angie Gregory

Sr. Mortgage Officer
410-838-9090 ext. 1252
Blink. Apply with Angie.
NMLS #135040




Buying a Home is Easier Than You Think

Follow the link below to find out how to make your home-buying process as seamless, stress-free and affordable as possible.

Home Buying Process


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