Mortgage Loans

Mortgage Loans

From dream to dream home.
Your neighbors are here for you.

First Time Home Buyer | New Home Purchase | Refinancing

Our award-winning mortgage professionals are just around the block.

Apply Online with Blink

 

Just Blink and You’re Home. Apply Now with Blink!

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

What Will My Mortgage Payment Be?

Mortgage Calculator

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

Term

Rate

Points

APR*

15 Year

2.250%

0.125

2.415%

20 Year

2.875%

0.000

2.963%

30 Year

2.999%

0.000

3.081%

VA 30 Year Fixed

2.500% 

0.000

2.731% 

FHA 30 Year Fixed

2.477%

0.000

3.550%
Jumbo 15 Year Fixed 3.125% 0.000 3.162%
Jumbo 30 Year Fixed 3.625% 0.000 3.646% 

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

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.

Featured Realtor Partner

Mecca Lewis-Shakur

Mecca Lewis-Shakur
Weichert Realtors - Diana Realty
Serving Harford, Cecil, and Baltimore Counties

Enthusiastic about providing excellent customer service to all of her clients and customers. There is no need too big or too small! Mecca specializes in single family homes, townhomes, and condominiums in all price ranges from starter homes to luxury properties. She has lots of experience representing clients with builders on new construction as well as assisting clients out of state with her vast referral network of excellent agents.

Mecca is a military spouse and very comfortable with the process of VA loans and familiar with the needs of busy and transplanted military families. She enjoys spending time with her family, visiting with elderly relatives, volunteering, cooking, gardening, traveling, and hiking.

Meet Our Mortgage Officers

Experienced professionals you can count on!

terry

Request a Mortgage Consultation with

Terry Miller-Snee

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

Angie Headshot Reduced

Request a Mortgage Consultation with

Angie Gregory

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

Zillow 5-Star Lender

Zillow

*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 5/6/2021.

Back to Top