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Our mortgage team offers everyone the friendly neighbor treatment

Most buyers probably look at a dozen or more homes before making a decision. The truth is, there are at least that many mortgage options to consider. Market USA's knowledgeable Mortgage Department professionals are happy to walk you through the details, answer all questions and help guide you to an affordable loan that's a good fit for your finances and future plans.

  • Fixed-Rate Loans: Choose mortgages of 10, 15, 20, or 30 years. Low interest rates and stable monthly payments make it easier to set your housing budget.
  • Adjustable Rate Loans: Enjoy lower rates for the first 3, 5, 7, or 10 years, depending on the loan you choose. After that, rates rise or fall according to the overall economy. However, loan caps limit rate increases.
  • FHA Loans: This popular government-backed program offers flexible credit guidelines and down payments as low as 3.5%. It's a popular choice for first-time homebuyers and people with modest incomes. (Available in Maryland, Virginia and DC for first-time buyers).
  • VA Loans: Active duty military, veterans, reservists and some military spouses are eligible for these loans that feature low rates and up to 100% financing.
  • HarmonyLoan™ : Allows borrowers to reduce their mortgage interest rate without the hassle and costs of refinancing.
  • Reverse Mortgages: A unique mortgage that allows homeowners age 62 years and older to convert part of their home equity into monthly income or cash without having to sell their home. (Available in Maryland, Virginia, and DC).


Powered by CU Realty Services, HomeAdvantage™ is a free, easy-to-use program that connects you to the information and expertise you'll need to make finding and purchasing your next home.

  • Search for a home
  • Find a real estate agent
  • Earn a rebate (the average is more than $1,500)
  • Research neighborhoods, schools and crime rates
  • It's quick and easy to register

A Better Way to Buy a Home

Are you thinking of buying a home, but don't know if you're ready for this big step? In this three-part video series, you'll learn all about the home buying process so you can make an informed decision.

  • In Part 1, learn if homeownership is right for you, how to determine how much you can afford, and how to find the right mortgage loan.
  • In Part 2, learn how to decide what kind of home to buy, how to find it ands how to make an offer.
  • In Part 3, learn about getting a home inspection, applying for a mortgage loan, purchasing homeowners insurance and preparing for your closing.

Part 1

A better way to buy a home video 1

Part 2

A better way to buy a home video 2

Part 3

A better way to buy a home video 3

Features & Benefits


Mortgage Calculators

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.