Our mortgage loans are designed to meet the needs of our unique membership.
That’s why BFSFCU offers timely approvals, a wide range of mortgage options at highly competitive rates, and an experienced mortgage team to help find the best home financing solution for you. New to the home buying and selling process? Our HomeAdvantage™ program can help you through it.
Buying or refinancing? We offer financing on primary residences, secondary homes and investment properties!
We offer flexible terms and competitive fixed and adjustable rates to help you get where you want to be.
We have options for first time home buyers with little or no U.S. credit history and limited down payments.
Our Mortgages are serviced by BFSFCU, so no need to deal with other banks after you move in!
Visit our full service Real Estate Loan Center to understand our mortgages programs and all the steps of the process. Our Real Estate Representatives will help you every step of the way.
Please note that the pandemic, and an unusually large number of applications, has generally caused delays in the mortgage process. We appreciate your patience.
The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total amount you will eventually pay for the property. Further, mortgage payments typically will include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI). Use our mortgage calculator to see the impact of these variables along with an amortization schedule
For your convenience, a Loan Officer will be available in the branches for walk-ins from 10:00am to 2:00pm or during normal office hours at our 1725 I Street location. Members will be served on a first-come first-served basis.
If you would like to secure a time to meet with a Loan Officer, you may schedule an appointment with a Loan Officer in our 1725 I Street location by calling (202) 212-6400 or in one of our branches from the available time slots below. Please note that members who do not have a World Bank — or IMF — issued identification card will need to visit our IMF/IFC locations and provide proof of membership to gain access to our branches. Acceptable proof of membership includes BFSFCU-issued debit or credit cards issued in the member's name, checks, or old BFSFCU membership cards.
Hear what members are saying about buying a home with BFSFCU. Credit Union members Marie and Hala and staff member Carmen share their experiences and insights into the home buying process in this brief video.
Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website, www.consumerfinance.gov/find-a-housing-counselor, and enter your zip code. You can also access HUD’s housing counseling agency website via www.consumerfinance.gov/mortgagehelp or by accessing HUD’s counseling agency web service directly via https://data.hud.gov/index.html. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).
Please note that Bank-Fund Staff Federal Credit Union does not participate in CEMA loans in the State of New York.
For pre-qualification applications, a current payroll statement and bank statement for assets verification will be required to process your request.