JFCU logo

real estate center

We're here to help you every step of the way.

Whether you’re a first time buyer or a seasoned homeowner looking to purchase a new home, we have a wide variety of real estate loans to fit your needs— from flexible financing to specialized programs. We look forward to welcoming you home.

Buying a Home

From the moment you start dreaming of a new house, to the day that house becomes your home, Justice Federal is right by your side. Whether you're an experienced home buyer, or looking to buy your first home, we offer loans to meet your every need.


Shopping for a home shouldn’t be complicated. We make it EASY!

HomeAdvantage Realty Services is rewarding

It’s absolutely free to use, and can help you:


  • chevron_right Search for a Home
    Search through the most current online MLS listings to find the home of your dreams.
  • chevron_right Find a Realtor®
    Make a connection with a top local Realtor from our network of hand-picked agents.
  • chevron_right Earn HomeAdvantage Cash Rewards1
    Use one of our agents to buy or sell a home, and earn Cash Rewards – the average is near $1,500!1
  • chevron_right Get Listing Alerts
    Save your favorite searches and get email updates when new listings become available.
  • chevron_right Do Your Research
    Research neighborhoods, crime rates, schools, and comparable properties easily!
  • chevron_right Get Your Questions Answered
    The HomeAdvantage Member Services team is available seven days a week to answer your questions, simply call 800.203.9014.
GET STARTED
Home Advantage
HOME SALE PRICE MEMBER CASH REWARDS1
$100,000 $600
$200,000 $1,200
$300,000 $1,800
$400,000 $2,400
$500,000 $3,000
$600,000 $3,600
$700,000 $4,200
$800,000 $4,800
$900,000 $5,400
$1,000,000 $6,000


article
Start Your Online Application

Get pre-approved in minutes. See how much home you can afford before you begin shopping.

APPLY NOW
edit
Finish Saved Application

Need more time? Save your application anytime and finish it when you're ready.

FINISH APPLICATION


First Time Home Buyer

Step into the housing market with confidence.

Get excited, because the next stage of your life begins now!
Leaving your rental to buy a home is a big step.

Your landlord is responsible for repairs and upkeep. In addition, depending on your lease, you may not even be paying for electricity or water. On the other hand, if your current residence is growing in value, then your landlord is building equity through your monthly payments – not you.

Homeownership offers financial benefits that renting does not. While you’ll want to consult a tax advisor, you’ll learn that the interest you pay on your mortgage is tax deductible, as are some closing and moving costs. If you pay points on your loan to reduce the interest rate on your mortgage, that amount is also tax deductible for that year. When you decide to buy a home, you’re making a decision to invest in your future.


new house
You Can Count on Justice Federal

Your Justice Federal Mortgage Representative is not only here to help you manage your home financing today, but will also help you to achieve your long-term goals. After all, life changes, and your mortgage should change with it.
Any time you have questions regarding home financing, we encourage you to contact your Mortgage Representative. Justice Federal will continue to provide you with the service you deserve for the life of your loan.


Additional Mortgage Programs

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

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

*Home loans subject to credit and property approval. Rate is based on an evaluation of creditworthiness. Primary residences only. The closing costs are to be paid by the borrowers. PMI may be applicable. 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 in payment example. Loan Level Price Adjustment (LLPA) may apply to the interest rate based on loan to value, property type and credit score.

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


How much will it cost me to refinance my first mortgage?

To calculate the cost of refinancing your first mortgage, use one of our Financial Calculators or contact us for professional assistance.


Find your path towards financial freedom.

Justice Federal’s partner, GreenPath Financial Wellness, provides you with access to debt management services, free one-on-one financial counseling, and financial education tools. Together, they will work with you to make a personalized plan to build a foundation for financial wellness.

Call Now: 877.337.3399

LEARN MORE

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.

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.

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.

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

VA 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

To speak to a Mortgage Counselor, call us today 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.

 

Government Loans

house
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

VA 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.


Reverse Mortgages

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.


DEA Relocation Program


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.

house
TruStage

TruStage Insurance Services

Insurance protection is part of a solid financial plan. That’s because dependable coverage helps ensure financial relief when you need it most. And along the way, that coverage means you’ll take comfort in knowing you’re protected.

Government Loans

DEA Relocation Program

Legal Disclaimers & Information

*Subject to credit approval and underwriting review. Rates are based on evaluation of credit history. Mortgage program not available in Alaska and Hawaii.

**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.

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

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.