When Opportunity Knocks, Open the Door
$395 cash reward1
Down payments as low
as 3%
No application fee and competitive rates
Local customer service and in-house loan servicing
Lending in PA, NJ,
DE, and FL2
FIRST-TIME HOMEBUYER MORTGAGE
A Home Loan That Fits Your Life
Manage your finances with ease – anytime, anywhere. Use our secure PFFCU Mobile App to view your account balances, transfer funds, pay bills, deposit checks, apply for loans, and more.
How Much House Can You Afford?
ADDED SAVINGS
Enjoy Additional Savings With HomeAdvantage®
PFFCU along with HomeAdvantage makes homebuying even easier and more affordable. Access MLS listings, save searches and get alerts, all in one convenient location. Plus, when you use a HomeAdvantage real estate agent, you’ll get 20% of your agent’s commission.4 PFFCU members have earned over $600,000 in cash rewards since the start of this program.
HOME INSURANCE
Protect Your Most Valuable Asset With TruStageTM
Your home is your biggest investment, so you want to make sure it’s covered inside and out. But top coverage doesn’t have to come at a top cost. Designed for credit union members like you, the TruStage Auto and Homeowners Insurance Program offers discounted rates along with online convenience and 24/7 claims service.5 Plus, it’s underwritten by Liberty Mutual, one of the biggest providers in America, so the result is a policy you can have confidence in.
Faqs
Be in the Know
We’re Ready to Lend a Hand
Our knowledgeable Mortgage Advisors can help you select the right option for your needs and goals. Call us at 267.332.3400.
Grow Your Savings
Give your savings a serious boost. Open a Premium Yield Account online today and enjoy:
High yields on balances $2,500 and over
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Easy access to funds by phone, Online/Mobile Banking, or at a Branch
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Federally insured deposits up to NCUA limits
More Financial Solutions
You name it. We'll help you do it. PFFCU offers a full suite of personal banking and lending products.
NMLS #800659
- The $395 cash is a rebate of processing fees and available for first mortgage purchase transactions only; refinances do not qualify. First mortgage purchase products are available for loans up to $1.1 million. This offer is not available on Non-Owner-Occupied loans. The offer applies to loans with a completed application date between January 1, 2025 through December 31, 2025, and closing date on or before April 30, 2026. The $395 cash rebate on processing fees will be deposited in your PFFCU Savings Account (S0001) within 15 business days after PFFCU receives the Final Closing Disclosure. Offer is subject to credit approval and underwriting and is subject to change without notice. No other PFFCU Mortgage discounts apply. Contact us for details.
- Members are responsible for all mortgage taxes in Florida, including, but not limited to the Documentary Stamp Tax.
- Applying for a pre-approval of mortgage financing requires a hard, tri-merge credit pull, which you authorize by completing the application and may impact your credit score. A pre-approval of mortgage financing is a credit only pre-approval. Final loan approval is subject to review and approval of all income, asset and property verification by underwriting.
- The HomeAdvantage® program is made available to you through a relationship between PFFCU and HomeAdvantage. Program Cash Rewards are awarded by HomeAdvantage to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Program Cash Rewards if they use an agent outside this network. Using PFFCU for a mortgage is not a requirement to earn Program Cash Rewards. Program Cash Rewards amount is dependent on the commission paid to the agent. Program Cash Rewards is paid directly by HomeAdvantage and will be paid within 60 days of closing. PFFCU may have specific rules on how your Program Cash Reward will be paid out. Please consult with a PFFCU Mortgage Advisor to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: DE, PA, NJ, and FL. HomeAdvantage is a registered trademark of HomeAdvantage Partners, LLC. The Program Cash Rewards may be taxable. Police and Fire Federal Credit Union does not provide tax advice; please consult a tax advisor. Offer is subject to change without notice.
- The TruStageTM program is offered by TruStage Insurance Agency, LLC. and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.