New and refinanced mortgages

We offer low fixed-rate first mortgages and mortgage refinancing through our service partner Freedmont Mortgage Funding. Call Freedmont Mortgage directly at 443-406-4000 or 888-955-8508 or visit Freedmont online. You can also reach them by e-mail:

Or, visit a branch or call 855-597-5766 (option 4) to speak with a credit union loan officer.

  • Choose from a wide variety of terms: 10 years to 33 1/3 years.
  • Your mortgage will still be serviced locally, right here at your credit union!
  • Our mortgages are available for primary or vacation homes in Maryland, D.C., Delaware, Pennsylvania and Virginia.

First Mortgage Rates

Effective December 1, 2018
TermInterest RateAPR* as low as
*APR = Annual Percentage Rate. All APRs in mortgage rate examples above are based on a $200,000 loan amount Licensed in Pennsylvand 80% Loan-To-Value (LTV). Rates effective 12/1/18 and are subject to change without prior notice. FSFCU NMLS #721558. Freedmont Mortgage Funding is a service partner of Five Star of Maryland Federal Credit Union. Freedmont Mortgage is a licensed mortgage broker in Maryland, DC, Delaware, Pennsylvania, and Virginia. NMLS #1067.
10 Years3.250%3.629%
15 Years4.125%4.398%
20 Years4.375%4.591%
30 Years4.625%4.785%
33 1/3 Years (400 Months)4.750%4.900%

We make mortgage payments affordable for our members with low, fixed-rate loans.

Apply for a mortgage

Earn Smartmove Rebates

Buying or selling a home? Get professional real estate assistance and earn cash rebates with SMARTMOVE®, a national real estate affinity program.*

  • A coordinator will explain how to qualify for a cash rebate for buying or selling real estate.
  • Get a cash rebate for each transaction
  • SmartMove agents will help you with your search and market your current home or investment properties.

To learn more, call SMARTMOVE® at 800-645-6560, Monday-Friday (9:00 a.m. to 5:00 p.m.) or by using the SMARTMOVE website.

*SmartMove not available in states where prohibited by law.