Mortgages
Clear a path to your new home.
Finance Wisely. Live Confidently.
Whether you’re a first-time homebuyer or a seasoned real estate investor, we have mortgage solutions designed to support every step of your journey.
Explore your mortgage options
Which of the following benefits do you want out of your mortgage?
Save On Upfront Costs At Closing
For a limited time, qualifying mortgages may receive waivers on select lender fees, helping you keep more cash on hand for moving, settling in, and everything that comes next. See which fees, including appraisal and other common costs, may be covered.
Ask About Our Rate Match Guarantee
Found a better mortgage rate elsewhere? Call Federal will match a competitor’s interest rate with a valid Loan Estimate dated within 48 hours of your request. It’s just one more way we help you make your best call.
Rates
|
Term |
Rate1 |
APR2 |
Points |
|---|---|---|---|
|
1Rates posted are indications only and are subject to change without notice. If you wish to lock in your rate, please consult with your mortgage officer. 2APR=Annual Percentage Rate. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 11, 2026. |
|||
|
Term 30 Year |
Rate1 6.250% |
APR2 6.353% |
Points 0.250 Points |
|
Term 30 Year (+ Points) |
Rate1 5.625% |
APR2 5.877% |
Points 1.875 Points |
|
Term 20 Year |
Rate1 5.500% |
APR2 5.836% |
Points 1.875 Points |
|
Term 15 Year |
Rate1 5.000% |
APR2 5.437% |
Points 2 Points |
|
Term 10 Year |
Rate1 4.750% |
APR2 5.343% |
Points 1.875 Points |
Estimate your monthly mortgage loan payment
Enter the amount you wish to borrow to purchase your home, then calculate your estimated monthly payment.
Calculated payments shown are for estimation purposes only; not a guarantee. Rates above may include points. Payment examples only reflect principal and interest payment and excludes escrow (real estate property tax and homeowners’ insurance), which would cause the actual payment to be higher. Actual loan payment amount will be disclosed at loan closing and may differ.
Need a little more information?
Being prequalified gives you an estimate of how much you might be able to borrow. It’s based on a general review of your financial information.
Being pre-approved, however, provides a specific loan amount you are eligible for. It’s a formal statement from the lender, giving you a clear understanding of your borrowing power and making you a stronger buyer.
A mortgage pre-approval at Call Federal Credit Union is typically valid for 90 days. This gives you ample time to search for the right home with confidence.
If your pre-approval expires before you find a property, you can request a renewal by providing updated financial information. Contact our mortgage team for assistance or more details!
Have questions?
Call Federal is here to help. Reach out to us today for more information and assistance.
Disclosures
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¹Rates posted are indications only and are subject to change without notice. If you wish to lock in your rate, please consult with your mortgage officer. ²APR=Annual Percentage Rate. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Loans are subject to approval. Certain restrictions may apply.³Rate Match Program is only available on conventional Call Federal loan products and must be for a primary residence. 100% financing loans are not eligible for the Rate Match Program. A completed Loan Estimate required within 48 hours for Rate Match to be considered. Terms and conditions apply. Not all will qualify. ⁴ 100% financing available for qualified borrowers, subject to credit approval and private mortgage insurance. Closing costs still apply. Offer only for the purchase of a primary residence in the state of Virginia. Maximum loan amount is $500,000. Additional restrictions may apply. This offer is subject to change or termination at any time without notice.
We do business in accordance with the federal fair housing lending laws.