Mortgage Loans for Purchase or Refinance

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Let us help you make your dream home a reality with competitively low rates, customizable payment plans, and a wide range of financing options and mortgage loan programs. Let our local, dedicated mortgage team assist you with the process. As a member, you are eligible to receive a free pre-approval for extra buying power or refinance an existing home to get a better rate.

Meet Kim Ta, USSFCU's Mortgage Loan Officer

Kick-off the 2019 Home Buying Seanson with our USSFCU Mortgage Open House at our branch locations!

  • GAO Branch- Tuesday, March 26, 2019 at 10:00am to 2:00pm

  • Hart Branch- Wednesday, March 27, 2019 at 10:00am to 2:00pm
  • Eisenhower Branch- Thursday, March 28, 2019 at 10:00am to 2:00pm

  • Competitively low rates for your dream home
  • Available for:
    • Primary residence
    • Second homes
    • Vacation homes
    • Investment properties
  • Enjoy customizable payment plans
  • Helpful mortgage loan experts are available to help you
  • Enjoy a team with knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Professional, customized service throughout the entire process

Manage your mortgage online using our Manage Your Mortgage portal.

In-House Mortgage Loan Officer

With over 20 years of experience in the financial industry, Kim is here to assist you with the mortgage process.

Kim_Ta_145pxKim Ta

Mortgage Loan Officer
NMLS #468198

For more information, contact the Call Center at 800.374.2758 or contact Kim directly at 571.253.6355 or at

Mortgage Loan Programs

USSFCU has an array of mortgage loan options to help make your dreams of owning a home come true.


Mortgage Options for Low-to Moderate-income Families

  • Only a 3.5% down payment is required
  • Down payment can be a gift or a loan to the borrower from an eligible source, such as a family member or a state housing agency program
  • Sellers may pay 6% toward closing costs, prepaids, buy downs, abatements, etc.
  • Cash reserves not required (except for 3 and 4 unit properties)
  • Flexible guidelines for qualifying ratios
  •  More lenient on credit blemishes
  • Non-occupying co-borrowers are allowed


Mortgage Options for Active and Retired Military, Reservists, and Surviving Spouses

  • 100% financing
  • Seller of a home can pay closing costs: up to 2 discount points, the prepaids, and an additional 4% (toward the buyers discretion)
  • Homebuyers can add up to $6,000 to their VA loan to have energy-efficient improvements installed
  • No monthly mortgage insurance
  • Less restrictive qualifying terms
  • Homebuyers are still eligible, even after a short sale

To be eligible for a VA loan, you must have sufficient entitlement available and be a(n): veteran (single or married), active duty service member, National Guard member, reserve member, or surviving spouse of an eligible veteran (certain restrictions apply).


Mortgage Options for Homebuyers with Good Credit

  • Lower closing costs
  • Flexible payment options
  • Fixed and adjustable rates
  • Purchase and refinance financing available
  • Variety of home types accepted
  • Minimum credit score of 620
  • No private MI for 20% or more down payment
  • 3% down payment with income limits
  • 5% down payment option (can be gifted funds if credit score is 660 or higher)
  • MI can be paid up-front or monthly
  • 6% seller contribution maximum allowed with 90% loan-to value (LTV) maximum
  • 3% seller contribution allowed with LTV of 90% or higher

HOMEREADY® by Fannie Mae:

Mortgage Options for the Modern Homebuyer

  • Down payment options as low as 3%1
  • Reduced mortgage insurance with the opportunity to cancel2
  • No minimum personal funds required
  • No first-time home buyer requirements
  • Non-traditional credit allowed3
  • Non-occupant co-borrowers permitted and income from renters considered4
  • Various forms of income accepted for down payments and closing costs—including gifts and grants4
  • Online education courses and resources available, providing guidance for long-term homeownership success

For more information on loan programs, rates, terms, and conditions visit or call 800.374.2758. All loan programs, rates, terms, and conditions are subject to change at any time without notice. Restrictions apply. All loans subject to income verification, credit approval and property appraisal.

1All loans subject to income verification, credit approval and property appraisal. Financing up to 97% loan-to-value (LTV) can use any fixed-rate term (10-, 15-, 20-, 30-year). Mortgages financed up to 97% loan-to-value at an APR of 5.179% for 10 years, totals a monthly payment of $1,711.08. Mortgages financed up to 97% loan-to-value at an APR of 5.179% for 15 years, totals a monthly payment of $1,280.24. Mortgages financed up to 97% loan-to-value at an APR of 5.179% for 20 years, totals a monthly payment of $1,071.81. Mortgages financed up to 97% loan-to-value at an APR of 5.179% for 30 years, totals a monthly payment of $876.50. Rates are effective as of February 6, 2019. Other loan program restrictions may apply. Loan programs may change at any time with or without notice. for more information on program terms, conditions and rates. Not a commitment to lend. HomeReady® loans are serviced under the requirements for all other Fannie Mae non-government conventional mortgage loans. All eligibility criteria and requirements are subject to the formal terms and conditions of the Fannie Mae Selling Guide, located at 2A minimum of 20% established home equity required before borrower is eligible to terminate MI. Other restrictions apply. Standard MI coverage is required on HomeReady loans with LTV ratios at or below 90 percent, and 25 percent coverage is required for LTV ratios exceeding 90 percent. 3A minimum of three sources of nontraditional credit are required for HomeReady loans. If a borrower does not have a housing-related source of credit, a minimum 12 months’ of reserves may be required. Restrictions apply. 4Restrictions apply.

The United States Senate Federal Credit Union complies with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). A list of our registered originators can be found by searching for the United States Senate Federal Credit Union here.

+ Offer valid March 1 through April 30, 2019. USSFCU will issue a lender's credit up to $1,000 towards the closing costs assoicated with new or refinanced mortgages applied for and approved during March 1-April 30, 2019. Credit of $1,000 must be applied to a USSFCU mortgage with in 90 days of pre-approval date. Void where prohibited. USSFCU reserves the right to modify, update or discontinue this promotion at any time and without advance notice.

1For more information on loan programs, rates, terms and conditions visit All loan programs, rates, terms and conditions are subject to change at any time without notice. All loans subject to credit approval. Not all members who apply for a USSFCU Mortgage Loan will be accepted.