Buying a home or looking to refinance a mortgage? MECU Credit Union makes it easy and affordable.

We offer a variety of low-cost mortgages to help you buy your first home, next home, or refinance an existing mortgage. We also offer investment property options for real estate investors in and around Maryland.

First-Time Homebuyers

Special discounts and home loan options designed specifically for first-time homebuyers.

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FHA Loans

Lower down payment option with more lenient credit and income requirements than conventional mortgages.

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Fixed-Rate Mortgages

Low, fixed interest rate loans with a rate that never goes up and a variety of loan repayment terms.

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Adjustable-Rate Mortgage

Start with our lowest fixed-interest rate for a specified period followed by an adjustable-rate that can go up or down with the market.

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Refinance Your Home Loan

Refinancing can help you get extra cash, lower your interest rate, lower your payment, or shorten your loan term.

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Residential Investment Property Loans

Financing for the purchase, renovation, or refinance of residential investment property.

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Mortgage Resource Center (opens in a new tab)

Research your various options to find the home loan that fits your budget and lifestyle.

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Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on mortgage loans and other home equity and improvement lending products.

I recently refinanced my mortgage with MECU. It was a very easy process, and I shaved at least 10 years off my mortgage, which will save us a lot of money. Made us very happy.

Rico C.
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