Real Estate Center

Buying a Home

From the moment you start dreaming of a new house, to the day that house becomes your home, Justice Federal is right by your side. Whether you're an experienced home buyer, or looking to buy your first home, we offer loans to meet your every need.

HomeAdvantage® Realty Services


Let us show you how much home you can afford and help you choose a loan that best fits your budget. We’ll help you find an experienced agent, and get a cash rewards when you use HomeAdvantage®. Buy or Sell with Confidence!1


Earn Cash Rewards

Use a HomeAdvantage® Realtor when you buy or sell a home. Average Cash Reward is $1,500.1

Start Your Online Application

Get pre-approved in minutes. See how much home
you can afford before you begin shopping.


Finish Saved Application

Need more time? Save your application anytime
and finish it when you're ready.


Mortgage Calculators

Compare different loan programs, calculate your monthly payments.


Resource Center

Owning a house is the American dream. Protect that dream by learning about home buying — before you buy!


First Time Home Buyer

Step into the housing market with confidence. Get excited, because the next stage of your life begins now!


Experienced Home Buyer

You are an experienced homebuyer if you have financed a home at least once before.


Government Loans

Federal Housing Administration (FHA) Loans

FHA loans are federal assistance mortgage loans insured by the Federal Housing Administration (FHA). FHA mortgage loans are offered by Justice Federal Credit Union to residents of VA, MD and DC.

Veterans Administration (VA) Loans

FVA loans are mortgage loans guaranteed by the U.S. Department of the Veteran's Affairs, issued by qualified lenders that enable Veterans and eligible active duty/reservists, retired veterans "and" their un-married surviving spouses to purchase a home with no down payment and less closing costs than traditional loans.

VA Loans are offered by Justice Federal Credit Union to residents of VA, MD and DC.

For additional information, please contact Justice Federal Credit Union at 800.550.5328, select option 3.

Reverse Mortgages

A Reverse Mortgage is a unique loan that allows homeowners age 62 years and older to convert part of the equity in their home into monthly income or cash without having to sell the home, give up title, or take on additional monthly mortgage payments.

  • No monthly mortgage payments
  • No loan repayment until the member moves out permanently (sells home, passes away, etc.)
  • Member will never have to leave their home
  • Must be a homeowner (single family residence, condo, townhouse, manufactured housing built after June 1976)
  • No income or medical requirements to qualify
  • No credit or credit score requirements

For additional information, please contact Justice Federal Credit Union at 800.550.5328, select option 3.

DEA Relocation Program

Justice Federal is pleased to accept the Government Travel Card (GTC) for approved reimbursable mortgage costs for DEA members with Permanent Change of Station (PCS) travel orders.

Our Mortgage Representatives are ready to assist you with choosing the mortgage loan plan that is right for you. To speak to a Mortgage Counselor, call us today at 800.550.5328.

Today's Rates

Rate APR* Points

*APR = Annual Percentage Rate. Rates assume credit score of 740 and Loan to Value of 60%.

Equal Housing Lender
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Visit Your Nearest Justice Federal Branch

Call Us 800.550.5328

Important Legal Disclaimers and Information

*Subject to credit approval and underwriting review. Rates are based on evaluation of credit history. Mortgage program not available in Alaska and Hawaii.

**Home loans subject to credit and property approval. Rate is based on an evaluation of creditworthiness. Primary residences only. Payment example: $400,000 mortgage at a rate of 4.500% (4.553% APR) for 30 years, equals monthly payment of $2,026.74. Taxes, Homeowner Insurance and Private Mortgage Insurance not included. Loan Level Price Adjustment (LLPA) may apply to the interest rate based on loan to value, property type and credit score.

1The HomeAdvantage program is made available through CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Cash Reward is dependent on the commission paid to the agent. Cash Reward incentives are available in most states; however, are void where prohibited by law or by the lender. Justice Federal reserves the right to withdrawal this offer at any time.