Real Estate Center

No matter the size, or your budget, we will help you match your dream home to one of our mortgage programs

Get the Home You Want
Without the Need for a Down Payment

Whether you are a first time homebuyer looking to purchase a home without the worry of knowing if you saved enough for a down payment, or a seasoned homebuyer who prefers to let your money earmarked for a down payment continue to grow for the future—100% mortgage financing from Justice Federal is the perfect solution!

There are many advantages to a no money down mortgage!
Buyers can enter the home market more quickly than those who must save the 3% - 20% typically required with a standard mortgage. A no money down mortgage also offers more financial flexibility. Homebuyers can cover closing costs and moving expenses, or even pay down debts, with money that otherwise would have gone toward a down payment.

What You Need to Know About 100% Mortgage Financing*

  • • Available for primary residence purchase of a single family home, townhome or condominium in DC, MD, VA and WV
  • • Available for conforming and high balance loans— the maximum loan limit for conforming loans is typically $424,100, though the loan limit can vary by state and county. High balance loans are for amounts greater than $424,100
  • • Available with Private Mortgage Insurance (PMI) on a conforming loan or without PMI on a conforming, or high balance loan
  • • Available for Fixed and ARM products

100% mortgage financing from Justice Federal lets you concentrate on the things you need for your new home – instead of a down payment.

*Subject to credit approval. Rates are based on evaluation of credit history. The Justice National or Beyond the Badge checking account interest rate discount is not applicable to the 100% Mortgage Financing program. Program requires a 1.00% loan origination fee. Not available in all states.

Many potential homebuyers see the down payment hurdle too high to jump. However, it just might be lower than you think! Depending on your financial situation, including credit score, assets, confirmed income, and collateral, homebuyers may be able to qualify for a conforming mortgage loan from Justice Federal with as little as a three percent down payment.*

  • Rate Reduction with Direct Deposit**
  • Flexible Debt-to-Income Qualification
  • 30-Year Term
  • $750 Loan Origination Fee***

GET PRE-APPROVED CHECK RATES

*Home loans subject to credit and property approval. Rate is based on an evaluation of creditworthiness. **Justice National and Beyond the Badge checking account 25 basis point rate discount with direct deposit of payroll or annuity. Rates advertised include discount. Primary residences only. Payment example: $400,000 mortgage at a rate of 3.500% (3.951% APR) for 30 years, equals monthly payment of $1,796.18. Taxes, Homeowner Insurance and Private Mortgage Insurance not included. Loan Level Price Adjustment (LLPA) may apply to the interest rate based on loan to value, property type and credit score. ***Justice Federal reserves the right to withdraw this offer at any time.

With a Fixed Rate Mortgage your monthly principal and interest payment is locked-in for the life of the loan. Choose a fixed rate mortgage with terms to fit your budget.

GET PRE-APPROVED CHECK RATES

An Adjustiable Rate Mortgage (ARM) offers a lower initial interest rate than most fixed rate loans. The interest rate on ATM can change periodically, usually in relation ton an index, resulting in a change in your monthly payment. Of course you should weigh the rist of an increase in interest rates.

GET PRE-APPROVED CHECK RATES

A Jumbo Loan (Non-Conforming Loan) exceeds the maximum loan amount allowed by most mortgage investers. The cost of obtaining a jumbo loan as well as the interest rate is generally higher than that of a conventional loan.

GET PRE-APPROVED CHECK RATES

Mortgage Free in 10 years!

  • Low Fixed Rate
  • 10 Year Amortization
  • No Pre-Payment Penalty
This program is available on Primary Residences and Second Home/Vacation Homes - Single Family detached or attached. The maximum loan amount is the conforming loan limit.

GET PRE-APPROVED CHECK RATES

Federal Housing Administration (FHA) Loans

FHA loans are federal assistance mortgage loans insured by the Federal Housing Administration (FHA). FHA mortgage loans are offered by Justice Federal Credit Union and referred to the affiliated lender, Credit Union Mortgage Association (CUMA).

Veterans Administration (VA) Loans

FVA loans are mortgage loans guaranteed by the U.S. Department of the Veteran's Affairs, issued by qualified lenders that enable Veterans and eligible active duty/reservists, retired veterans "and" their un-married surviving spouses to purchase a home with no down payment and less closing costs than traditional loans.

VA Loans are offered by Justice Federal Credit Union and referred to the affiliated lender, Credit Union Mortgage Association (CUMA).

For additional information, please contact Justice Federal Credit Union at 800.550.5328, select option 3.

A Reverse Mortgage is a unique loan that allows homeowners age 62 years and older to convert part of the equity in their home into monthly income or cash without having to sell the home, give up title, or take on additional monthly mortgage payments.

  • No monthly mortgage payments
  • No loan repayment until the member moves out permanently (sells home, passes away, etc.)
  • Member will never have to leave their home
  • Must be a homeowner (single family residence, condo, townhouse, manufactured housing built after June 1976)
  • No income or medical requirements to qualify
  • No credit or credit score requirements

For additional information, please contact Justice Federal Credit Union at 800.550.5328, select option 3.

Justice Federal is pleased to accept the Government Travel Card (GTC) for approved reimbursable mortgage costs for DEA members with Permanent Change of Station (PCS) travel orders.

Our Mortgage Representatives are ready to assist you with choosing the mortgage loan plan that is right for you. To speak to a Mortgage Counselor, call us today at 800.550.5328.

We’re committed to your business’ success. We offer Commercial Real Estate Loans at competitive rates to meet your needs. Let us help your business succeed.

Contact: Dianna Wilson, Vice President, Lending
Phone: 800.550.5328 Ext. 3122



Today's Rates

Rate* APR* Points

*Conforming, Non-Jumbo Mortgage Rates include a 25 basis point discount for direct deposit of payroll or annuity into a Justice National Account or Beyond the Badge Checking Account.

Mobile Swoosh

Apply Online

GET PRE-APPROVED

Visit Your Nearest Justice Federal Branch


Call Us 800.550.5328

Important Legal Disclaimers and Information

*Home loans subject to credit and property approval. Rate is based on an evaluation of creditworthiness.

**Justice National and Beyond the Badge checking account 25 basis point rate discount with direct deposit of payroll or annuity. Rates advertised include discount. Primary residences only. Payment example: $400,000 mortgage at a rate of 3.500% (3.951% APR) for 30 years, equals monthly payment of $1,796.18. Taxes, Homeowner Insurance and Private Mortgage Insurance not included. Loan Level Price Adjustment (LLPA) may apply to the interest rate based on loan to value, property type and credit score.

***Justice Federal reserves the right to withdraw this offer at any time.

(1)The HomeAdvantage program is made available through CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Cash Reward is dependent on the commission paid to the agent. Cash Reward incentives are available in most states; however, are void where prohibited by law or by the lender. Justice Federal reserves the right to withdrawal these offers at any time.
Serving Justice Across the Nation®

Since 1935, Justice Federal Credit Union has provided a place for members to save and borrow; but more importantly, to belong.
You are not just a Member — You are an Owner.
We are proud to have remained true to our Founders’ vision of exclusively serving Members of the justice and law enforcement community and their family.

NCUA logo
NAFCU Proud Member 2017
Equal Housing Lender

Justice Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 703.480.5300 or 800.550.5328. All products and services available on this website are available at all Justice Federal Credit Union locations.

Copyright © 2017 Justice Federal Credit Union