Real Estate Loans


  • First Mortgages

    Click here to make your mortgage payment.

    We offer a variety of mortgage options, including reverse mortgages, FHA and VA loans.

    Click here to see which one is right for you.
    Click here to pre-qualify today!

    Contact Us.

    Click here to see today’s first mortgage rates.
    Click here to see today’s home equity loans and fixed second mortgage rates.

    Are you a first time home buyer?
    Click here for an overview of the mortgage and home buying process as well as access to various pre-qualification and payment calculators.

    Buying or selling your home? GET A CASH REBATE!
    Click here for more information.

    Are you interested in refinancing your home?
    Click here for helpful information.
    Click here to use our refi calculator.

    Calculate your payment below!

    Employee Mortgage Referral Form
    Click here for more information.
  • Home Equity

    Ideal for large expense, such as a major home improvement, or you want to consolidate your debt.
    • Funds disbursed all at one time
    • Fixed monthly payment amounts

    Home Equity Line of Credit

    Ideal for recurring expenses, such as home renovation or education-related costs.
    • Funds can be used as needed
    • Variable monthly payment amounts

    Home Equity Comparison Chart
    Home Equity Application Checklist

    Click here for rates.
    Click here to fill out our Application.

    Contact Us.

    NOTE: We offer up to 95% combined loan-to-value for Home Equity Loans and Home Equity Lines of Credit.

    Fees: All closing costs and fees associated with a Home Equity Loan or Home Equity Line of Credit are the responsibility of the member; however, these fees can be financed with the loan.

    Computation: Method used for determining the amount that you can borrow:
    Value of home $100,000.00
    x .80
    Equity $80,000.00
    Present Mortgage -$40,000.00
    Equity Loan Value $40,000.00

    Payments will be amortized on the basis of one year for every $2,000.00 borrowed, not to exceed 15 years. Loan payments will remain constant until an additional advance is made.

    Interest may be deductible; check with your tax advisor.
  • HOMEAdvantage

    Find your Home – Click here for the Real Estate Center.

    Once you are pre-approved, you’re ready to search for your new home. We can help you find a real estate agent and even get you a cash rebate! The average rebate paid to members on homes bought or sold in the Washington, D.C. metro area using HomeAdvantage is $3,498! Put your savings toward reducing your sales commission, trimming your closing costs, lowering your mortgage points, or discounting your end sales price. Or take the money as “cash back” at closing and use it to fund your move or buy new furnishings.

    Through HomeAdvantage, you can quickly and easily access all the tips, tools, and listings that you need to purchase a home:
    • Search and compare the same property listing used by real estate agents.
    • View photos and get maps.
    • Connect with an experienced Realtor® from a pre-approved network of agents, and qualify for a rebate of up to 1% of the purchase/sale price when you use that agent.
    • Determine the value of your home.
    • Research neighborhood demographics, crime rates, and schools.

    This exclusive member benefit is made possible through a partnership between your credit union and HomeAdvantage, the leader in streamlined home-buying and selling for credit union members nationwide.
  • Home Improvement Loan

    Ready to remodel your kitchen or bathroom? How about repair your roof or siding? Check out our Home Improvement Loan!

    Rates as low as 7.99% APR* for 5 years.
    Maximum loan amount of $25,000.
    Rates as low as 10.99% APR* for up to 15 years.

    • No Appraisal
    • No Closing Costs
    • Same Day Approval

    To apply, click here to log in to Online Banking or click here to fill out a loan application.

    Contact Us.

    *APR= Annual Percentage Rate. This loan is for home improvement purposes only. Copies of estimates are required. All terms and conditions subject to change without notice. Rate based on credit worthiness. Same day approval in most cases. Payment example: If you borrow $15,000 at 7.99%* for 5 years, your payment each month will be $331.35, or $152.64 bi-weekly (includes Consumer Gold Loan Protection). This offer may not be used to refinance any existing InFirst FCU loan. Not all members will qualify for the lowest rate. Not all applicants qualify for the maximum loan amount or longest term. Maximum term up to 15 years varies by amount borrowed. Contact us for details.

  • Reverse Mortgages

    If you are a homeowner 62 years or older contact our reverse mortgage specialist, Kimberly Petrey to see if a reverse mortgage is right for you!

    A reverse mortgage is a unique loan that allows you to convert a portion of the equity in your home into tax-free1 funds, giving you greater financial flexibility and security for the future.

    • Supplement retirement income
    • Make home repairs or modifications
    • Pay for medical or long-term costs
    • Delay collecting Social Security, for a larger monthly benefit
    • Establish a line of credit that you can tap into as needed
    • Purchase a new home

    Depending on your qualifications and eligibility, you can receive your funds in a lump-sum distribution, a line of credit, monthly or term disbursements, or any combination of these payment options.

    Reverse mortgages are increasingly recognized as a smart and safe way to convert the equity in your home into retirement income.

    To learn more about how a reverse mortgage could benefit you, please contact our reverse mortgage specialist:
    Kimberly Petrey
    NMLS #392902
    Contact by Phone

    1Please consult your tax advisor.

Secure and Fair Enforcement for Mortgage Licensing Act

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of InFirst Federal Credit Union can be found below:

Name Number
Rico Mason 1110294
Amanda Vassilakos 1128093
Nicole Todd 1134820
Martha Wye 705170
Michael Mutchler 1461987
Javier Sanyer 767418

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