First-Time Homebuyers

Let us make buying your first home easier


HomeOneSM Program

Signal is pleased to offer access to Freddie Mac’s HomeOne program to qualified first-time home buyers[1].  The HomeOne mortgage through Signal aims to serve qualified first-time home buyers with a low down payment of just 3% regardless of income level or geographic location. 


When you are ready to discuss your options, reach out to us at 301-933-9100 x104 or fill out this quick inquiry form for one of our Loan Officers to contact you:


Key Features and Benefits

  • Down payment as low as 3% towards home purchase – get into your home for less and save some of your hard-earned cash
  • No geographic or income limits — feel free to shop in the neighborhood you prefer
  • Can be used to purchase single unit homes such as a single-family residence, town home, or condo – more flexibility to shop for the home you want
  • Fixed-rate, fixed-payment mortgage — offers monthly payment predictability for easier budgeting
  • Mortgage insurance can be removed once 20% equity in the home is reached – monthly mortgage insurance is temporary, saving you money in the long run

Requirements

  • At least one borrower must be a first-time home buyer, which is defined as not owning a residential property in the last 3 years
  • Borrowers must occupy the home purchased as their primary residence
  • Easy online home ownership education course is required to ensure preparedness for this endeavor – we’ll let you know how to complete this when the time comes

Ready to learn more?  Give us a call at 301-933-9100 x104 or submit an inquiry here:

Disclosures:

1 – All loan products are subject to underwriting and credit approval.  Not all applicants that apply will qualify.

Digital Member Support will be temporarily unavailable today between 11:00 AM -12:00 PM.

Due to vendor delays in the embossing of debit and credit cards, you may experience a delay in receiving your new or reissued cards. We apologize for the inconvenience.

Martin Luther King Jr. Day

All branches and the digital member support team will be closed on Monday, January 16, 2023 in observance of Martin Luther King Jr. Day.

For expedited assistance please dial 240-512-8240 to connect directly to our Digital Member Support.

All branches and Digital Member Support will close on Saturday, December 31st and Monday, January 2nd in observance of the New Year.

Signal Financial branches will close at 12:30pm on Friday, December 23rd. Digital Member Support will operate from 9:00am - 1:00pm.

All branches and Digital Member Support will close on Saturday, December 24th, Monday, December 26th, Saturday, December 31st and Monday January 2nd in observance of the Christmas and New Year holiday.

On Wednesday, December 7th the One Loudoun branch will close at 2:00 PM and all other Signal Financial branches will close at 3:00 PM

Due to system upgrades, online and mobile banking will be unavailable from 10:00pm Tuesday, Jan. 17 to 3:00am Wednesday, Jan 18.

The Capitol Hill branch and ATM are temporarily closed.

President's Day

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

Closure Notice

Due to inclement weather all Signal Financial branches are closed today. ATMs, mobile and online banking services are fully operational 24 hours a day and 7 days a week.

Digital Member support will close at 12 PM on Saturday, October 1st. Online banking and ATMs are available 24/7. Our apologies for any inconvenience.

Labor Day Closure

All branches and the call center will be closed on Monday, September 5, 2022 in observance of Labor Day.

Independence Day Closure

All branches and the call center will be closed on Monday, July 4, 2022 in observance of Independence Day.

Juneteenth Closure

All branches and the call center will be closed on Monday, June 20 in observance of Juneteenth.

Memorial Day Closure

All branches and the call center will be closed on Monday, May 30, 2022 in observance of Memorial Day.

Presidents’ Day Closure

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

New Years Day Closure

All branches and the call center will be closed on Friday, December 31 and Saturday, January 1 in observance of New Year's Day.

The Capitol Hill, City Center and Leisure World branches will be closed on Thursday, December 30th, 2021. We apologize for any inconvenience. Have a safe Holiday!

Christmas Holiday Closures

All branches and the call center will be closed on Sunday, February 5, 2023 and Monday, December 25, 2023 in observance of the Christmas holiday.

Thanksgiving Holiday Closures

All branches and the call center will be closed on Thursday, November 23, 2023 and Friday, November 24, 2023 in observance of the Thanksgiving holiday.

Veterans Day Holiday Closure

All branches and the call center will be closed on Friday, November 10, 2023 in observance of the Veterans Day holiday.