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 townhome/condominium**
  • • Available for Adjustable Rate Mortgage (ARM) products
  • • Available for Conforming and High Balance loans
  • • No Private Mortgage Insurance (PMI) for purchases in Washington, DC, Maryland, Virginia, and West Virginia***

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 and underwriting review. Rates are based on evaluation of credit history. Program requires a 1.00% loan origination fee. Not available in all states. **Private Mortgage Insurance required for condominiums. ***Product not available in Alaska and Hawaii.

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, first-time homebuyers may be able to qualify for a conforming mortgage loan from Justice Federal with as little as a three percent down payment.*

  • Flexible Debt-to-Income Qualification
  • 30-Year Term

GET PRE-APPROVED CHECK RATES

*Home loans subject to credit and property approval. Rate is based on an evaluation of creditworthiness. Primary residences only. Payment example: $400,000 mortgage at a rate of 4.500% (4.553% APR) for 30 years, equals monthly payment of $2,026.74. 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.

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 Adjustable Rate Mortgage (ARM) offers a lower initial interest rate than most fixed rate loans. The interest rate on ARM can change periodically, usually in relation to an index, resulting in a change in your monthly payment. Of course you should weigh the risk 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 investors. 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 to residents of VA, MD and DC.

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 to residents of VA, MD and DC.

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.


Looking to Refinance?

We are here to help.

Refinancing your mortgage is a way to potentially lower your interest rate and monthly mortgage payment.

Types of Mortgage Refinance Loans

Fixed-Rate Mortgage Refinance Loan

  • • Interest rate is set
  • • Your monthly payments of principal and interest remain the same for the life of the loan

Adjustable-rate Mortgage Refinance Loan

  • • Interest rate may change periodically during the loan term
  • • Your monthly payment may increase or decrease based on interest rate changes

Cash-out Mortgage Refinance Loan

  • • If you have available home equity, you could get cash upfront when you close your mortgage refinance loan

Balance Transfers

7.99%APR*
for 6 months on all VISA Credit Cards** LEARN MORE

Today's Rates

Rate APR* Points

*APR = Annual Percentage Rate. Rates assume credit score of 740 and Loan to Value of 60%.

Equal Housing Lender
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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. Primary residences only. Payment example: $400,000 mortgage at a rate of 4.500% (4.553% APR) for 30 years, equals monthly payment of $2,026.74. 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.

**Subject to credit approval and underwriting review. Rates are based on evaluation of credit history. Program requires a 1.00% loan origination fee. Product not available in Alaska and Hawaii.

1The 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 this offer at any time.