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Whatever your situation, Point Breeze Credit Union has a mortgage option that’s right for you. We can help you find the right financing strategy with terms to fit your budget. You’ll experience friendly, reliable service you can trust with:

  • Competitive rates
  • Flexible terms, up to 30 years
  • No points
  • Fixed-rate and Adjustable-Rate Mortgages (ARM) available
  • Low down payment options
  • Interest earned on your escrow account

Call 410.584.7228 today to schedule an appointment with a loan officer.

Mortgage Refinancing

Refinancing your mortgage with Point Breeze Credit Union could save you thousands—it’s a great way to save money and/or pay off your debt faster. Refinance your existing home loan using a fixed-rate program and lock in a low interest rate. Refinance using an adjustable-rate program and enjoy a lower initial rate. The choice is yours.

Predictable Monthly Payments

A fixed-rate mortgage offers a steady interest rate and predictable monthly payments for the life of the loan. Options are available for both conventional and jumbo loan mortgages. Fixed-rate mortgages are a great option if you:

  • Prefer the stability of a fixed principal/interest payment
  • Plan to stay in your house for many years

Low Initial Interest Rates

With an adjustable-rate mortgage, the initial interest rate is usually lower than a conventional fixed-rate mortgage, so you can save money at the start of your loan. After a pre-determined period of time, the interest rate can change based on market conditions at the time of the change. Adjustable-rate mortgages are a great option if you:

  • Are planning to move in a few years (before the end of the initial rate period) and therefore aren't concerned about possible rate increases
  • Expect your income to rise enough in the coming years to cover any increase in payments resulting from an increase in the interest rate
  • Want a lower initial monthly payment than a fixed-rate mortgage usually offers
  • Think interest rates may fall in the future

VA Home Loan Program

To ensure you have the best homebuying experience possible, we have partnered with SWBC Mortgage Corporation, a top-ranked lender, to provide VA loans to Point Breeze members. Click here for more information.

Properties must be located in Maryland, Pennsylvania or Delaware.

Mortgage Rates

APR as low as
Monthly Payment (per $1,000)
5 Year Fixed
10 Year Fixed
15 Year Fixed
20 Year Fixed
30 Year Fixed
5/1 Adjustable Rate
Intro 3.125%

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Rates listed above are the lowest rates. Actual rate may vary based on the term, loan amount or other factors. Rates listed are available on loans up to $453,100. Jumbo mortgages are also available. Minimum down payment is 3-10%. Speak with a representative about closing costs.

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