Our 100% Mortgage option makes it possible to buy a home without a down payment. Designed for qualified borrowers, this program helps you get into your home faster while keeping your payments predictable.
- 0 down payment – keep your savings where they belong.
- 80/20 split – 80% first mortgage / 20% second mortgage as a home equity loan.
- Fixed rate on the second mortgage – your payment won’t change.
Complete the form below to connect with our Mortgage Loan Officer and explore your 100% financing options with confidence.
First-Time Homebuyers Look No Further
Homeownership is a smart investment, but the first time buying a home can be confusing. Signal is with you from start to finish, offering smart solutions, educational resources, and a trusted partnership. And with access to Freddie Mac’s HomeOne® program, you could purchase your home with as little as a 3% down payment.
Browse Homes. Earn Rewards.
Free to Signal members, HomeAdvantage can help you through every step of homebuying and selling – from finding an agent, a home, and then closing. Plus, when you use an agent in the HomeAdvantage network, you can earn a cash rebate equal to 20% of the agent’s commission.
Save Smart
- Appraisal fee refund when enrolled in the Signal Smart® Plus
- Low origination fee
- Cash rebate via our HomeAdvantage™ program
- Smart solutions to save more for your down payment and future home expenses
We Make it Easy
We Put You First
We Get Your Local Needs
Meet Richard, Mortgage Loan Officer at Signal
301-933-9100 ext. 274 →
301-706-0721 (c) →
rkepler@signalfinancialfcu.org →
NMLS #415220
Monday – Friday, 8:30 am – 5:30 pm
With 30 years of experience in the mortgage industry, Richard is a seasoned loan officer dedicated to helping clients navigate the home financing process. His goal is to provide personalized solutions and expert guidance to make homeownership dreams a reality for every client he serves.
Fill out the form below, and our Mortgage Loan Officer will contact you to discuss your options, review eligibility, and guide you through the process.
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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
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