Mortgages | Congressional FCU

Home Loans

You're going places. Get a mortgage that keeps things moving.

Every homebuyer’s story is different. That’s why we offer options that bring stability when you need it, flexibility when plans change, or a little of both—backed by personalized guidance from Congressional Federal Credit Union.

Competitive Rates Expert Guidance Fast, Friendly Service Member-Focused

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Fixed Rates

ARM Rates

Popular Mortgage Options

30-Year Fixed-Rate Mortgage Most Popular

A fixed-rate mortgage gives you a steady monthly principal-and-interest payment for the life of the loan—easy to budget and plan.

Predictable payments
Lower monthly payment vs. shorter fixed terms
Great for long-term homeowners

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Program availability, terms, and conditions are subject to change without notice. Your rate and payment depend on your credit profile, loan amount, and other factors.

Term	30 years
Rate Type	Fixed for life of loan
Best For	Long-term stability and budgeting

15-Year Fixed-Rate Mortgage Interest Savings

Pay off your home faster and reduce total interest with a shorter fixed term. Payments are higher, but the savings can be substantial.

Significant total interest savings
Build equity faster
Great for buyers comfortable with higher payments

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Program availability, terms, and conditions are subject to change without notice. Your rate and payment depend on your credit profile, loan amount, and other factors.

Term	15 years
Rate Type	Fixed for life of loan
Best For	Lower total interest, faster payoff

5/5 Adjustable-Rate Mortgage (ARM) Lower Initial Payment

Start with a fixed rate for the first five years; after that, your rate may adjust every five years based on market conditions, subject to caps.

5-year initial fixed period
Adjusts every 5 years thereafter
May offer a lower initial rate vs. fixed loans

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ARM rates may increase after consummation. Index and margin, as well as caps and floors, apply per program terms.

Loan Term	360 months
Initial Fixed Period	60 months
Subsequent Adjustment	Every 60 months
Initial Adjustment Cap	2.0000%
Periodic Adjustment Cap	2.0000%
Maximum Interest Rate	Initial Rate + 6.0000%
Index	Weekly 5-Year CMT
Current Index Value	3.8200% (subject to change)
Margin	2.7500%

7/6 Adjustable-Rate Mortgage (ARM) Longer Initial Fixed Period

Enjoy a longer fixed period up front—seven years—then the rate may adjust every six months based on the 30-day average SOFR index, subject to caps and other terms.

7-year initial fixed period
Adjusts every 6 months thereafter
SOFR-indexed with defined caps

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ARM rates may increase after consummation. Index: 30-day average SOFR; current values subject to change. Initial cap 5.0000%; periodic cap 1.0000%; lifetime cap +5.0000% over initial rate. Margin 2.7500%.

Loan Term	360 months
Interest Only Term	N/A
Initial Fixed Period	84 months
Subsequent Adjustment	Every 6 months
Initial Adjustment Cap	5.0000%
Periodic Adjustment Cap	1.0000%
Maximum Interest Rate	Initial Rate + 5.0000%
Index	30-day average SOFR
Current Index Value	4.3547% (subject to change)
Margin	2.7500%

Get a head start

Get a personalized mortgage quote today

Tell us a few details about your homebuying plans and we’ll provide a custom quote— fast, accurate, and commitment-free.

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Why finance your home with Congressional Federal?

Personalized strategies Free custom analysis from our experts—compare fixed vs. ARM, down payment options, and payoff timelines side by side.

Flexible options From low-down-payment programs for first-time buyers to popular fixed-rate choices and ARMs (5/5 and 7/6).

Tools that save time HomeAdvantage® search tools, member resources, and calculators to plan with confidence.

First-Time Homebuyers

Make your first home happen

We’ll help you compare programs and build a realistic plan from pre-qualification to closing.

Low down payment options (as low as 3% for qualified buyers)

Guidance on available assistance and grant programs (where available)

Clear, step-by-step timelines—know what’s next

Apply Today Talk to an Expert

HomeAdvantage®

Search, buy, sell & save—free for members

HomeAdvantage® gives you tools and resources to make smart moves—from searching listings to connecting with experienced agents.

Property search and market insights

Agent connections

Member resources to simplify decisions

Learn More

Ready to get into your dream home?

Find your rate & apply in minutes.
Start your application—our team will follow up quickly to help you move forward with confidence. A tailored level of service that can't be matched by traditional big banks or lenders!

Start Application Talk to a Mortgage Expert

Looking for a HELOC Instead?

Access the equity in your home for renovations, debt consolidation, or major purchases—flexible, affordable, and designed for members.

Explore HELOC Options

*Offer valid on first mortgage loans with applications received between November 24 and December 31, 2025. A $1,000 credit will be applied at closing. Subject to credit approval and membership eligibility. Additional restrictions may apply.

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Routing Number: 254074345

You're going places. Get a mortgage that keeps things moving.

Fixed Rates

ARM Rates

Popular Mortgage Options

Get a personalized mortgage quote today

Why finance your home with Congressional Federal?

Make your first home happen

Search, buy, sell & save—free for members

Ready to get into your dream home?

Looking for a HELOC Instead?