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A home loan you can settle into comfortably

Our home loans help you make memories

Flexible terms

Choose from various terms up to 30 years.

Two options

Fixed-Rate Mortgages and Adjustable-Rate Mortgages (ARM) available.1

Holding down costs

You'll pay no points, and no closing costs on fixed-rate loans up to $30,000 for 10 years or less.

Low down payments

You can secure a Point Breeze Credit Union mortgage with a down payment as low as 3%.2

Interest-bearing feature

Your escrow account will earn interest at a competitive rate.


We put out the welcome mat for you

Buying a home is a milestone moment, and we love being part of that with our members. When you're looking for the mortgage that fits your budget and lifestyle, work with the friendly professionals at Point Breeze Credit Union. Our mortgage lenders take time to understand what you want to accomplish and then pair you with the right home loan.

Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.

Mortgage Rates

Product APR Points Monthly Payment (per $1,000)
5 Year Fixed5.750%None$19.22
10 Year Fixed6.125%None$11.16
15 Year Fixed6.250%None$8.57
20 Year Fixed6.500%None$7.46
30 Year Fixed6.875%None$6.57
5/1 Adjustable RateIntro 5.500%None--
7/1 Adjustable RateIntro 5.625%None--

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest rates available for loans up to $766,500. Actual rate may vary based on the term, loan amount or other factors. Jumbo mortgages are also available. Payment examples shown do not include taxes or insurance, if applicable. Minimum down payment is 3-10%. Speak with a representative about closing costs.

1Properties must be located in Maryland, Pennsylvania or Delaware.

2Minimum credit score is 620, maximum debt-to-income ratio is 45% and maximum loan amount is $647,200 to qualify for 3% down payment.