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Buying the Perfect House Should be Easy

We make the homebuying process simple, so you can spend less time stressing over your finances and more time finding your dream home.

6.250% (6.351% APR1)

30-year fixed

Estimated Monthly Payment
$1,847.15

5.875% (5.974% APR2)

5/1 ARM

Estimated Monthly Payment
$1,774.61

6.000% (6.099% APR2)

7/1 ARM

Estimated Monthly Payment
$1,798.65

Based on a $300,000 mortgage. Terms and conditions apply.

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Mortgage Solutions

Conventional Loans

  • Fixed and adjustable rates
  • Lower closing costs
  • Up to 30-year terms
  • Jumbo loan options available
  • May be right for you if you:
    • Like predictable monthly payments
    • Want to secure rates for the long haul

5/1 Adjustable Rate
Mortgage (ARM)2

  • Fixed for 5 years, then adjusts every year thereafter
  • May be right for you if you’re:
    • Looking to move within five years
    • Planning to refinance in the next five years
    • Comfortable with a rate adjustment after the initial 5-year fixed term

7/1 Adjustable Rate
Mortgage (ARM)2

  • Fixed for 7 years, then adjusts every year thereafter
  • Similar to the 5/1 ARM, but with a longer initial fixed term
  • May be right for you if you’re:
    • Looking to move within seven years
    • Planning to refinance in the next seven years
    • Comfortable with a rate adjustment after the initial 7-year fixed term

VA Loans

  • Up to 100% financing
  • Less restrictive qualifying terms
  • May be right for you if:
    • You’re active or retired military, reservist, or surviving spouse

FHA Loans

  • Low down payment
  • Flexible guidelines for qualifying ratio
  • May be right for you if:
    • You’re a first-time homebuyer

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Determine your monthly payment on a conventional loan.

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home loan

Refinance Your Mortgage

Life (and rates!) can change since you first bought your home. Sometimes revisiting your mortgage loan can mean a lower rate and more money in your pocket each month.

Consider refinancing if you want to:

  • Lower your interest rate and monthly payments
  • Eliminate or lower mortgage insurance
  • Consolidate debt
  • Pay off your home faster
  • Avoid increasing payments in an ARM loan
  • You’re upside down on your loan
  • Remove a co-borrower from your loan
  • Convert your home equity into cash
Refinance Now

Let’s Connect

Let’s discuss which mortgage solution works best for you.


Homebuying with Signal
First-time Homebuyers
HomeAdvantage™ 101

1 As of December 29, 2023 Signal Financial’s 30-year fixed rate mortgage loan is as low 6.250% (6.351% APR), subject to credit approval. APR= Annual Percentage Rate. Not all will qualify as loans are subject to collateral and credit requirements. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan amount for a 30-year fixed rate loan at 6.250% (6.351% APR) is $1,847.15.  Payments do not include amounts for taxes and insurance premiums for first lien mortgage loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required.

2 As of December 29, 2023. Not all will qualify. Loans subject to collateral and credit requirements. Signal Financial’s 5/1 adjustable-rate mortgage (ARM) is 5.875% (6.351% APR). APR= Annual Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to change without notice. A sample payment on a $300,000 loan for a 5.875% (5.974% APR) is $1,774.61 for the initial fixed period of 5 years. Signal Financial’s 7/1 adjustable-rate mortgage (ARM) is 6.000% (6.099% APR). APR= Annual Percentage Financial Percentage Rate. Rates are subject to change at any time and may vary depending on variety of factors. Not all borrowers will qualify for the lowest rate. Rates and offers are available for a limited time and subject to borrowers to change without notice. A sample payment on a $300,000 loan for a 7/1 ARM loan at 6.000% (6.099% APR) change is $1,798.65 for the initial fixed period of 7 years. Payments do not include amounts for taxes and insurance premiums for first lien loans; the actual payment obligation will be greater. Payment and APR will vary depending on term and loan program chosen. ARM interest rates and payments are subject to increase after the initial fixed-rate period, 5 years for the 5/1 ARM or 7 years for the 7/1 ARM; the 1 shows the interest rate is subject to adjustment once every year after the initial fixed rate period. Please contact a mortgage loan officer at 301-933-9100 ext. 104 about applicable rates, fees, and offers. Membership required. Federally insured by NCUA.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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Routing Number:
255075495

Main Line
301-933-9100

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