If you're just beginning to look for a house or wish to refinance apply online* now and we may be able to "pre-approve" you for a mortgage so that you'll have one less obstacle to negotiate! A pre-approval will also help you narrow down a practical price range.

* We will accept your application online even if you are not currently a member. However, all borrowers on the application will be asked to qualify for membership. Prior to your loan closing, you will be asked to open a qualifying account. Residency restrictions apply. Mortgages are issued in PA, NJ, DE, MD & FL only.

* First mortgage rates quoted are for our standard programs. If you do not qualify for the program requested you may be approved under our Expanded Approval or My Community Mortgage program at a different interest rate.

* Cash out refinance transactions with LTV over 70% will be .75% higher than rates quoted. Paying off a home equity loan is considered cash out.

Fixed Rate Mortgages

10 to 30 year terms (in 5-year increments) available on primary residence

Adjustable Rate Mortgages

		30 Year 5-1 adjustable available on primary residence
		Initial fixed rate period of 5-years, then adjusted each anniversary date

Vacation Property

10 to 20-year terms (in 5-year increments). You may be eligible for a 30-year term if you're planning to retire to the property purchased.

PFCU Rate Watch

Let Philadelphia Federal Credit Union keep an eye on interest rates so that you don't have to! Simply click the Rate Watch icon and request a rate quote. You'll then be offered the option to receive rates via e-mail.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Click here to view the full HUD Statement.