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Whatever your situation, Point Breeze has a mortgage option that’s right for you. We can help you find the right financing strategy with terms to fit your budget and you'll experience friendly, reliable service you can trust.

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Mortgage Features

  • Flexible terms up to 30 years
  • No points
  • Low Fixed-Rate and Adjustable-Rate Mortgages (ARM) available1
  • Down payments as low as 3%2
  • Interest earned on your escrow account

Mortgage Refinancing

Refinancing your mortgage with Point Breeze Credit Union could save you thousands—it’s a great way to save money and/or pay off your debt faster. Refinance your existing home loan using a fixed-rate program and lock in a low interest rate. Refinance using an adjustable-rate program and enjoy a lower initial rate. The choice is yours.

Predictable Monthly Payments

A Nike Outburst Sneakers Wolf Grey Size 6 7 8 9 Womens shoes New, offers a steady interest rate and predictable monthly payments for the life of the loan. Options are available for both conventional and jumbo mortgages. Fixed-rate mortgages are a great option if:

  • You prefer the stability of a fixed principal/interest payment
  • You plan to stay in your house for many years

Low Initial Interest Rates

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  • You are planning to move in a few years (before the end of the initial rate period) and therefore aren't concerned about possible rate increases
  • You expect your income to rise enough in the coming years to cover any increase in payments resulting from an increase in the interest rate
  • You want a lower initial monthly payment than a fixed-rate mortgage usually offers
  • You think interest rates may fall in the future
Credit qualifications and approval are required. 1Properties must be located in Maryland, Pennsylvania or Delaware. 2Minimum credit score is 620, maximum debt-to-income ratio is 45% and maximum loan amount is $453,100 to qualify for 3% down payment. 

Mortgage Rates

Product APR as low as Points Monthly Payment (per $1,000)
5 Year Fixed 3.125% None $18.02
10 Year Fixed 3.250% None $9.77
15 Year Fixed 3.375% None $7.09
20 Year Fixed 3.875% None $6.00
30 Year Fixed 4.000% None $4.77
5/1 Adjustable Rate Intro 3.125% None --
7/1 Adjustable Rate Intro 3.375% None --
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest rates available for loans up to $453,100. Actual rate may vary based on the term, loan amount or other factors. Jumbo mortgages are also available. Payment examples shown do not include taxes or insurance, if applicable. Minimum down payment is 3-10%. Speak with a representative about closing costs.