Mortgages & Home Loans | HFCU - Hanscom Federal Credit Union

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We Are Your Trusted Mortgage Lending Team

HFCU member or not just yet, you can count on us for a dream loan for your dream home.

Prequalifications and Preapprovals to Get Started with Confidence
Special Programs for First-Time Buyers
Flexible Financing: Fixed and Adjustable Rates; Conventional, Jumbo, and Special Loan Programs
Affordable Downpayment Options; Budget-Friendly Terms
In-House Servicing for HFCU Mortgage Loans

Check Rates Apply to Buy or Refinance

Talk to a Hanscom Mortgage Loan Officer

Featured Rates for Mortgage Loans

Click rate to see estimated monthly payment disclosure.

30-Year Fixed icon

30-Year Fixed

Rates As Low As

6.000%

6.184% APR^†
0.000 % Points
Primary Residence

15-Year Fixed icon

15-Year Fixed

Rates As Low As

5.500%

5.802% APR^†
0.000% Points
Primary Residence

5/1 ARM icon

5/1 ARM

Adjustable Rates

Call Us

Get Your Personalized Rate Quote
Primary Residence

VA Loans icon

VA Loans

30-Year Rates As Low As

5.750%

6.047 % APR^†
0.000 % Points
Primary Residence

^†APR = Annual Percentage Rate.
Mortgages are available for 1 – 4 family residential properties. Mortgages are not offered in Alaska, Hawaii, New Mexico, New York or Texas. Rates and points shown are for members with the best credit profile. Other rates and points are available, based on your credit history, product selection, transaction type, and property value. Not all applicants will qualify. Rates, terms, and loan amounts are based on your credit worthiness and are subject to approval.
Rates are subject to change. Hanscom Federal Credit Union membership is required.

A Mortgage Loan Program for Every Situation

Let our mortgage loan officers help find the right loan for you.

Set up an appointment to talk. No obligation!

Jumbo loans up to $2 million
Vacation home loans (single family or condo)
VA Home Loans
Investment property loans (1-to-4 units)

First-time homebuyer loans
No Money Down program
FNMA Home Ready program
MHP ONE Mortgage program

Multi-family home loans
3-in-1 Home Equity Advantage program
Discounts for military servicemembers and first responders

Check Mortgage Loan Rates

Contact a Mortgage Loan Officer

Get a Personalized Home Loan Rate Quote

Trust Hanscom to Tell It Like It Is

Tips

Prequalified? Preapproved? Huh?

Getting prequalified or preapproved in advance of home tours will make your search much more successful.

Prequalifications and preapprovals are two ways for us to learn how much home you can buy. A prequalification is a quick assessment of income and credit to see how much you can afford. A preapproval is a much more thorough assessment with verifications that determines an approved amount that we expect to loan to you.

Take the next step and connect with a loan officer to discuss and apply for a prequalification or preapproval.

Testimonials

Peter Z. in Attleboro, MA:

The communication was great and what I expected... and I am demanding. The process was smooth. And when it was going to take longer, due to a solar loan subordination process, they communicated the delay timeline to a T. Even closing was a breeze. All in all, don’t change anything!

Guidance

Budget for Maintenance:

As a homeowner, you are responsible for repairs. A general rule of thumb is to budget 1% of the home's value annually for maintenance. If it seems overwhelming, remember that you're not alone.

The best first step is to contact a mortgage loan officer and work on getting prequalified or preapproved. Your loan officer will guide you towards successful homeownership.

First-Time Homebuyers: This Is for You!

The most important thing right now is that we can help you navigate the home-buying process. Sometimes it’s a lot and you don’t have to do it all yourself!

Here are some high-level details of special programs for first-time homebuyers. Our loan officers are standing by to help you identify the best mortgage program for you.

MHP ONE Mortgage

For low and moderate-income Massachusetts residents who are first-time homebuyers
3%–5% down payment*
No private mortgage insurance (PMI) required

First-Time Buyer HLPR ARM

Interest rate caps limit annual increases

Fannie Mae HomeReady^®

For low-income and very-low-income first-time home buyers
3% down payment*

HFCU No Money Down

No down payment required
Borrow for single family or condo purchases, up to the current conforming loan limit

*Estimated Monthly Payment Example: A 3% down payment would be $12,000 on a $400,000 home, leaving a $388,000 mortgage. A typical term would be a 30-year repayment period, and interest rate could be fixed at 6%. Estimated monthly principal & interest payment would be $2,327. This estimate does not include private mortgage insurance (PMI), property taxes, or home insurance, which will increase your actual monthly payment.

moving day for servicemember and partner

For First Responders & Active-Duty Military

$500 closing costs discount when closing a first mortgage loan!
(Discount is capped at $500 per loan)

Your service to our country and community means so much to us. For your dedication and patriotism, we extend a special first mortgage loan discount to you. Please check to see if you qualify.

First Responders:
Paid or volunteer Firefighters, Police Officers: including Sheriffs and Sheriffs' Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police; EMTs and Paramedics; and 911 Dispatchers

Current active-duty members:
United States Uniformed Services: Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard; NOAA Commissioned Corps; and Public Health Service Commissioned Corps

Learning Center

Getting a Mortgage

A video from Balance and HFCU

Resources

First-time homebuyers, download your free copy of The Road to Homeownership. It’s never too early to start planning!

Road to Home Ownership Guide

Mortgage FAQs

Learn everything you need to know about mortgage loan options, application requirements, and your loan closing.

FAQs and Glossary of Mortgage Terms

Calculators

Calculate Your Mortgage Payment

Calculate Your Refinance Interest Savings

Mortgages