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Credit Union Mortgage Center

Home Loans

Whether you’re looking to refinance your mortgage, buying your first, second, or third home, vacation home,  or investment property, we have a mortgage product to fit your needs.

30 Year Fixed Rate


Annual Percentage Rate

20 Year Fixed Rate


Annual Percentage Rate

15 Year Fixed Rate


Annual Percentage Rate

5/1 Year ARM


Annual Percentage Rate


Investment Property &
Second Home

  • We offer investment property loans for those interested in buying second homes and investment properties, including one- to four-unit residential properties and vacation properties.

HFCU Mortgages

A Mortgage for Every Borrower

Because every borrower is unique, HFCU offers a variety of mortgage options. From fixed-rate loans to first-time homebuyer programs, HFCU has the home loan you need. Our portfolio of low-rate mortgage products includes:

  • Fixed-Rate Mortgages - 10, 15, 20 and 30-year
  • Adjustable Rate Mortgages (ARMs) - 5/1, 7/1 and 10/1 ARMs
  • Jumbo Mortgages
  • VA Loans
  • First-Time Homebuyer Loans

Call our mortgage experts to see which program is best for you. Or, click the button below to apply online.

Apply Now

Is Investment Property Ownership Right for You?

Thinking About Property Investment?

Our guide “Is Investment Property Ownership Right for You?” will help you assess your goals and evaluate the personal and financial considerations of becoming an investment property owner.

Are you looking for:

  • Supplemental income for full-time employment?
  • Supplemental income for retirement?
  • A way to make extra money?
  • A new hobby in retirement?

Learn about the different types of properties available, which is right for you, and what you need to know about financing a property and generating a healthy cash flow.

Video: “Getting a Mortgage”

welcome to financial fitness minute getting a mortgage

Learning Center

Learn everything you need to know about mortgage loan options, application requirements, and what to expect at your loan closing. Check our huge glossary for mortgage terms that might be unfamiliar to you.

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

Read the latest posts about Home Ownership on HFCU’s MoneyWisdom Blog. Keep on top of recent news, promotions, and other home buying and home financing topics.

Contact Us with Your Home Loan Questions

If you're interested in learning more about the mortgage process or just have questions, please complete the form below and a mortgage specialist will contact you within 48 hours. We'll give you all the information you need so you can confidently – and easily – make your own decision, the one that's right for you.

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Real Reviews from Real Hanscom FCU Members

Well Done!


Diane S. and Marie H. were fabulous. Mary D. flawlessly and seamlessly stepped in to assist while Marie was away from the office just before our closing date. Our only complaint was with the title company because they were difficult to communicate with. It was SO bad, we suspected we were getting spam. They started asking us for paperwork and specific details about ourselves and the transaction before telling us who they were. Once that was resolved, all went well.

Malden, MA


Great rates, friendly staff, frustrating procedures.


The products, rates, and staff are excellent, but the procedures and document handling was very frustrating. After getting in my application and providing what was required to lock in my rate within hours of receiving the paperwork, I was told the rates had changed, increasing my total costs for a new mortgage by thousands of dollars. I also had to resubmit the same documents on multiple occasions, which made me very concerned about the security of my very sensitive documents and I never received an explanation into why I needed to resubmit them in the first place.

Beverly, MA


The overall process worked well and in a timely manner.


The only negative was poor responsiveness from the 3rd-party attorney.

Sudbury, MA


Great job


Great job



Great service!


As usual, an excellent mortgage experience. From application to closing, the process was quick and the staff was professional. Josh was great staying on top of the details and getting the loan to an easy closing. Exceptional member service from all!

Chelmsford, MA


Best of the Best. Always a pleasure at the credit union.


They always have the best rates and the best service. Highly recommend Joshua and Diane in the mortgage department. They always make the process as painless as possible.

Boston, MA


Good People


The whole crew kept me informed constantly and worked with me to secure documents required to keep the process moving forward. Very nice and dedicated group of people.

Billerica, Ma


Highly Recommended - Thank you!


The entire team @ HFCU was terrific to deal with throughout our application and closing. We completed a mortgage re-finance as well as a HELOC very quickly, and with no issues at all. Thank you!



Not Like The Old Days!


Great communication from start to finish!



Excellent Mortgage Company!


We are delighted to give HFCU an EXCELLENT rating! They have been a pleasure to work with. They are extremely professional, friendly, and helped us through every step of the process.



Mortgage Reviews

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