Mortgages

Purchase or Refinance with us!

Buying a Home

We have flexible terms up to 30 years. We’ll help you find the right loan and rate to meet your goals!

Fixed Rate Loans

For those who plan to stay in the home for at least 10 years and want the security of knowing that your monthly principal and interest payment will not change.

  • 10, 15, 20 and 30-year terms
  • Higher loan amount qualification and enhanced buying power
  • FREE 120-day rate lock*

15/15 Variable Rate Mortgage

This option is attractive whether you’re buying or refinancing and for those who plan to move before the rate adjusts. A low interest rate applies for the first 15 years. At the end of the 15th year, the interest rate adjusts one time and remains fixed for the remaining 15 years.

  • Payments are amortized over 30 years
  • 0% down for qualified borrowers*
  • FREE 120-day rate lock*

Adjustable Rate Loans

For those who want a lower interest rate at the beginning of the loan or who plan to move before the rate adjusts.

  • Maximize your buying power
  • Lower payments during the first few years
  • FREE 120-day rate lock*

*From the date of loan application, restrictions and limitations apply. 

Ready to buy or refinance?

Whether you are buying your first or next home, refinancing an existing mortgage, or purchasing an investment property, we have a mortgage option for you! 

Buying a Home

We have flexible terms up to 30 years.  We’ll help you find the right loan and rate to meet your goals! 

First time buyer? Our First Time Homebuyer Guide will help you understand the mortgage process from pre-qualifying all the way to closing on your new home.

Refinancing an Existing Mortgage

Refinancing can help you lower your current payment, build equity faster, pay your loan off sooner, eliminate private mortgage insurance, or consolidate some debt.

Vacation and Investment Properties

We finance residential vacation and investment properties in Maryland, Pennsylvania and Delaware for up to 15 years.

Have questions? Email a Loan Counselor at mortgages@bcefcu.com.

Helping you get into your home

Purchase Pre-Approval

Documents typically required for a Purchase Pre-qualification

  • Most recent pay stubs for the last 30 days.
  • Proof of funds for closing: two months’ bank statements and/or other asset accounts.
  • Last two years’ personal and business tax returns (all schedules) and a year-to-date profit & loss statement along with W-2 and 1099 forms.
  • Additional information may be requested if needed.

Refinance Pre-Approval

Documents typically required for a Refinance Pre-qualification

  • Most recent pay stubs for the last 30 days.
  • Proof of funds for closing: two months’ bank statements and/or other asset accounts.
  • Last two years’ personal and business tax returns (all schedules) and a year-to-date profit & loss statement along with W-2 and 1099 forms.
  • Most recent property tax bill
  • Insurance policy on property
  • Current Mortgage statement(s)
  • Additional information may be requested if needed

Nationwide Mortgage Licensing System: NMLS # 410315

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