Home Loans

Our loans are like keys.

They open all kinds of doors.

You've found a really great home. The perfect place to hang out with family, chill out with friends and grill out on weekends. At First Peoples, we'll go all out to find you financing that offers the same comfort level. We've got tons of mortgage options, a friendly lending team to help you choose one and a cut-the-red-tape application process designed to get you moving as soon as possible.
  • Conventional Mortgages: Fixed-rate loans come with stable monthly payments. Adjustable-rate mortgages feature lower payments for the first few years. We also have special programs for first time home buyers and second time home buyers.
  • Government Programs: We can help eligible veterans with a rate discount by means of a COE (certificate of eligibility) or a DD214. 
  • Construction Loans: Financing is available for lot acquisition and to cover every phase of the new home building process.
  • Local servicing: First Peoples will service your mortgage for the life of the loan. We'll never hand you off to some giant, far-away financial firm. That means if you ever have any questions of concerns, you'll be speaking with local people you trust.
  • Expert knowledge: Our mortgage lenders have years of experience and an in-depth understanding of local housing markets. If you are thinking about buying a home, start with us. Our team can guide you through the process and help you make the best choices for your unique situation.
  • Personal assistance: You can call or email one of our mortgage professionals any time you need answers to a question or are seeking a little extra advice.
  • Free pre-qualifications: Still house-hunting? We can let you know how much you can afford to finance, which allows you to fine-tune your search. It's easy to get started. 
  • Rate Lock Guarantee: With our Lock It First program, you can lock in a rate for up to 90 Days while you shop for your home

Stacy Miller
VP/Senior Relationship Manager
Angela Jenkins
AVP/Mortgage Lending Consultant
Jan McCusker
Mortgage Lending Specialist
Serena Shaver
Mortgage Lending Specialist
Mandy Sturtz
Mortgage Lending Consultant

Mike Dupuis
Mortgage Lending Consultant

Is this your first home buying experience? Well we've got good news for you. Not only will you potentially qualify for special financing, but you'll have access to our experienced mortgage origination team to help walk you through the process and offer advice along the way. 

How do I start the application?

There are several ways you can apply. You can fill out a mortgage pre-qualification application online, call 301.784.3000 and speak with one of our Member Connection Center representatives, or you can walk into any of our convenient locations and apply in person. After you apply, one of our Mortgage Specialists will reach out to you.

How much are closing costs?

This number varies and may be different for each member depending on credit score, loan amount and loan to value (LTV). Our mortgage specialists will be able to give you more information as to what these numbers will be. 

What does ARM mean?

An ARM is an Adjustable Rate Mortgage and refers to when the payment will stay the same for a specific number of years, and adjust yearly after the initial term is over.

Do you offer FHA or USDA loans?

Not at this time, however, we do offer a variety of other products to meet your needs including conventional mortgages, VA mortgages and Home Equity products.

What is PMI? Will it apply to my loan?

PMI stands for Private Mortgage Insurance. Typically you must have PMI with any loan where more than 80% of the selling price is financed. If you qualify under the First Time Home Buyer Program, you will NOT be required to have PMI.

Can I qualify for any other assistance?  

It is possible that you may qualify for a “grant”. We work with several different agencies, and as long as their guidelines are met, we may be able to help you receive additional assistance. Some of these programs require you to have some funds to contribute at the time of settlement.

First Peoples Community Federal Credit Union is a full-service financial institution with branches in Maryland, Pennsylvania and West Virginia.

badge icon illustration Loans that let you imagine the possibilities.