We Do Everything Mortgage

Real Estate loans that help make your move easier

Become a Member

Signal Financial will be with you every step of the way! We want to make your home buying experience as easy and affordable as possible, which is why we offer great rates, flexible products, lower closing costs, and stellar service.

Apply now

Get Prequalified.

Getting Prequalified will help you know from the start how much you can afford, and can help speed up the buying process, so you don’t lose out on the home you want while waiting for financing approval. Call a Mortgage Loan Officer at 301-933-9100 or complete the Prequalification Request Form and a Mortgage Loan Officer will call you back.

Get Prequalified

Find a Mortgage Loan Officer

Looking for a home?

Search current MLS listings made available through HomeAdvantage™ to find a home with the right features and location. Save your search criteria, and get email alerts when matching properties become available! 

  • Online Property Listings
  • Recent Sales Data/Comparables
  • Demographics
  • Schools
  • Crime Statistics
  • And more…

Search by price range, neighborhood, city, street, zip code, number of bedrooms or bathrooms, architectural style …or just circle the area you’re interested in on a map and we’ll show you what’s available.

If you’re not ready to buy yet, or not finding what you need, save your favorite searches and receive email alerts when a home that matches your criteria goes on the market!

Enroll Now

Looking for a trusted agent?

The HomeAdvantage program has some of the best agents in the area, committed to delivering outstanding service. Choose from our network of experienced, hand-picked agents ready to help you buy, sell, or both. Working with a trusted agent can make all the difference.

We use a thorough vetting process to select real estate agents who have the knowledge, passion and dedication to help you find the right deal at the right price or sell your existing home in the manner you would expect. Agents in the HomeAdvantage network are fully licensed and have been actively engaged, full-time real estate professionals for at least three years.

As a HomeAdvantage user, you’re free to browse our network of agents online to find one that works for you or we can recommend one for you. Just call us…we’re here to help.

The program is free, and best of all, when you work with any agent in our network you’ll earn Cash Rewards equal to 20% of your agent’s commission. The average credit union member earns $1,545! Click here to estimate your cash rewards savings»

So what are you waiting for? Enroll now and browse profiles of our network agents. We think you’ll be impressed!

Looking for financing?

Signal Financial offers a variety of mortgage programs, from 30-year fixed to adjustable rate to jumbo mortgages. Talk to one of our experienced mortgage professionals to find out about which program would work best for you, to get prequalified, or request a mortgage check-up.

Mortgage Check-Up

If you’re planning on refinancing your home, our Mortgage Loan Officers are here to present you with the most option. Call us at 301-933-9100 or complete the Mortgage Checkup Request Form and a Mortgage Loan Officer will call you back.

Request a Mortgage Check-up


First Mortgages

  • FHA, VA, Conventional and Jumbo loans
  • Fixed-Rate and Adjustable-Rate loans
  • First-time Homebuyer program
  • Purchase and refinance

 5/5 Adjustable-Rate Mortgage (ARM)

Our 5/5 ARM is different from the ARMs offered by other lenders. It gives you more buying power, lower payments, and can save you thousands of dollars in interest.

Most adjustable-rate mortgages are great during the initial fixed-rate period, but then the rate can rise substantially and can change once every year for the rest of the loan term. With our new 5/5 ARM, your rate is locked for five-year intervals and can increase by no more than 1% at each adjustment.

 Home Equity Loans

Need funds for some major home improvements or a big-ticket purchase? If you’re a homeowner with equity in your home, we can help. Signal Financial offers two types of home equity products:

Fixed Second Trust Mortgage

  • Fixed Interest rate for entire term of the mortgage
  • Full loan amount disbursed

Home Equity Line of Credit (HELOC)

  • Interest rate is ultra-low for the first 12 months, then subject to adjust quarterly based on The Wall Street Journal Prime Rate
  • Withdraw money as you need it, for up to 10 years from origination date

Earn cash rewards.

Members who work with an agent in our network earn an average of $1,545.00 in HomeAdvantage Cash Rewards!**

Just use any agent in the HomeAdvantage network to buy or sell your home, and you’ll earn a cash rebate equal to 20% of the agent’s commission. Use one of our agents to buy AND sell, and you’ll earn a rebate on both transactions! As a buyer, you can apply it towards closing costs or take the cash outright! As a seller, you can use it reduce your agent’s commission. It’s your choice.

The rebate is based on the total home price, not the amount mortgaged. HomeAdvantage is an exclusive service provided by Signal Financial in partnership with CU Realty Services, the nation’s leading provider of real estate services for credit union members. The program is absolutely free! To take advantage, simply enroll today. Once you’ve enrolled, you’ll have access to all the tools and expertise you’ll need.



*The HomeAdvantage program is made available to you through a relationship between Signal Financial Federal Credit Union and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using Signal Financial Federal Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Signal Financial Federal Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you.


All rates and terms are subject to change without notice. Rates are updated each business day by 2:00 p.m. Eastern time. If you are viewing these rates prior to that time, the rates shown here may no longer be available. You must have a completed and submitted loan application and authorization for the application fee before you can lock-in a rate. Closing Cost is estimated to range from $700 to $2,000 depending on the loan amount and the property location. 


Please note: Rates offered to approved applicants will depend on a variety of factors including but not limited to loan amount, loan purpose, occupancy, credit score, loan-to-value ratio, and property type. Payment samples do not include taxes or insurance; the actual payment obligation will be greater. All loans are subject to credit and underwriting approval. Not all applicants will qualify for the lowest rate.