Mortgage & Home Equity

Home Sweet Loan! Be Signal Smart and snag amazing mortgage rates with us.

30-year fixed at 6.250% (6.351% APR*)
5/1 ARM at 5.875% (5.974% APR*)
7/1 ARM at 6.000% (6.099% APR*)

Your dream home is just a click away!


We make the home buying process easy with our online tools and resources available at your fingertips.

Apply for a Mortgage

Apply for a mortgage or home equity

Mortgage Products

Mortgage products to meet your needs

Special HELOC Rates

7.490% APR intro rate first 3 months.*

HomeAdvantageTM Program

Browse homes. Earn cash rewards.

Let us make buying your first home easier!

Homeowner Assistance Fund

Federal assistance to provide relief for homeowners

Mortgage Calculator

Estimate monthly payments.

Mortgage Rates & Inquiries

Contact us for a custom quote or for more information.

Meet Our Loan Officer

Get to know Philip “PJ” Ulzheimer.

*As of December 29, 2023. Not all will qualify. Loans subject to collateral and credit requirements. Signal Financial FCU’s 5/1 adjustable-rate mortgage (ARM) is 5.875% (5.974% 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 5.875% (5.974% APR) is $1,774.61 for the initial fixed period of 5 years. Signal Financial FCU’s 7/1 adjustable-rate mortgage (ARM) is 6.000% (6.099% 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 6.000% (6.099% APR) change is $1,798.65 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.

Freddie Mac Mortgage Rates

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