Buying the Perfect House Should be Easy

We make the homebuying process simple, so you can spend less time stressing over your finances and more time finding your dream home.

5.625% (5.722% APR²)

5/1 ARM

Estimated Monthly Payment
$1,726.97

5.750% (5.848% APR²)

7/1 ARM

Estimated Monthly Payment
$1,750.72

6.500% (6.605% APR¹)

30-year fixed

Estimated Monthly Payment
$1,896.20

Based on a $300,000 mortgage. Terms and conditions apply.

Mortgage Solutions

Conventional Loans

Fixed and adjustable rates
Lower closing costs
Up to 30-year terms
Jumbo loan options available
May be right for you if you:
- Like predictable monthly payments
- Want to secure rates for the long haul

5/1 Adjustable Rate
Mortgage (ARM)²

Fixed for 5 years, then adjusts every year thereafter
May be right for you if you’re:
- Looking to move within five years
- Planning to refinance in the next five years
- Comfortable with a rate adjustment after the initial 5-year fixed term

7/1 Adjustable Rate
Mortgage (ARM)²

Fixed for 7 years, then adjusts every year thereafter
Similar to the 5/1 ARM, but with a longer initial fixed term
May be right for you if you’re:
- Looking to move within seven years
- Planning to refinance in the next seven years
- Comfortable with a rate adjustment after the initial 7-year fixed term

FHA Loans

Low down payment
Flexible guidelines for qualifying ratio
May be right for you if:
- You’re a first time homebuyer

Calculate Your Monthly Mortgage Payment

Determine your monthly payment on a conventional loan³.

Refinance Your Mortgage

Life (and rates!) can change since you first bought your home. Sometimes revisiting your mortgage loan can mean a lower rate and more money in your pocket each month.

Consider refinancing if you want to:

Lower your interest rate and monthly payments
Eliminate or lower mortgage insurance
Consolidate debt
Pay off your home faster
Avoid increasing payments in an ARM loan
You’re upside down on your loan
Remove a co-borrower from your loan
Convert your home equity into cash

Let’s Connect

Let’s discuss which mortgage solution works best for you.

1 As of July 11, 2025. Signal Financial’s 30-year fixed rate mortgage loan is as low as 6.500% (6.605% APR), subject to credit approval. APR= Annual Percentage Rate. Not all will qualify as loans are subject to collateral and credit requirements. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan amount for a 30-year fixed rate loan at 6.500% (6.605% APR) is $1,896.20. Payments do not include amounts for taxes and insurance premiums for first lien mortgage loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required.

2 As of July 11, 2025. Not all will qualify. Loans subject to collateral and credit requirements. Signal Financial’s 5/1 adjustable-rate mortgage (ARM) is 5.625% (5.722% APR). APR= Annual Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 5.625% (5.722% APR) is $1,726.97 for the initial fixed period of 5 years. Signal Financial’s 7/1 adjustable-rate mortgage (ARM) is 5.750% (5.848% APR). APR= Annual Percentage Financial Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to borrowers to change without notice. A sample payment on a $300,000 loan for a 7/1 ARM loan at 5.750% (5.848% APR) change is $1,750.72 for the initial fixed period of 7 years. Payments do not include amounts for taxes and insurance premiums for first lien loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. ARM interest rates and payments are subject to increase after the initial fixed-rate period, 5 years for the 5/1 ARM or 7 years for the 7/1 ARM; the 1 shows the interest rate is subject to adjustment once every year after the initial fixed rate period. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required. Federally insured by NCUA.

3 The mortgage calculator is not a guarantee of approval or rate.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.

Join Today

Routing Number:
255075495

Main Line
301-933-9100

VISA^® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018

For Visa Signature Cards:
800-328-3033

VISA^® Debit Card: Lost/Stolen
866-498-2213

Automated Phone System
800-447-8997

Get in Touch

Careers

ADA Compliance + Accessibility

Privacy Policy

Card Control Privacy Notice

Currently using our live chat with a Signal team member and need to share your screen?

Get Cobrowsing Code

Copyright © 2024 Signal Financial Federal Credit Union. All Rights Reserved.
Signal Financial Federal Credit Union is federally insured by the National Credit Union Administration.
NMLS# 504754 | Equal Housing Lender | Equal Opportunity Employer