Mortgage Loans

Our experienced loan representative will help you choose the mortgage that's right for you.

If you're looking to purchase your first home, step up to a larger home, or refinance, you can choose from a fixed or adjustable rate mortgage with an affordable repayment term that suits your budget.

We provide the key to owning your own home. Through our partnership with Credit Union Mortgage Association (CUMA), we can offer members a wide variety of fixed and variable rate mortgage options*. Plus, since you will be dealing with an organization established exclusively to help Credit Union members, you may be able to save a considerable amount compared to programs offered by other mortgage companies.

Our mortgage products include:

  • $500 credit at closing for members in our Relationship Rewards program
  • Highly competitive rates on first mortgages and refinances available
  • Wide selection of conventional and FHA mortgages (FHA in DC, VA, & MD)
  • Complete assistance from submitting your application to scheduling your loan closing
  • Homeowners insurance discounts available
  • HomeAdvantage® Cash Rewards Program - As a member of USPS FCU, you have access to HomeAdvantage, a simple and reliable real estate buying and selling tool designed to save you both money and time. Home Advantage allows you to research neighborhoods and determine the value of your current home, select a real estate agent, close the deal and redeem your member savings! Visit the HomeAdvantage website for more information.

For rates or loan details email us or call our First Mortgage Department at 703-425-8319. We will contact you within 24 hours.

*Mortgage loans are not available outside of the United States. Not all loan programs are available in all states. Contact us for more details on loan programs by state.

Apply Now for a Mortgage Loan                                         

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Learn more about our mortgage loans

Learn More About Mortgages

There is a lot to understand about mortgages which can make having one seem overwhelming. However, taking out a mortgage can be manageable and rewarding as long as you prepare yourself to understand the terms, forms and processes involved. In just 5 minutes, this lesson will teach you:

  • What mortgages are and how they are used
  • How to identify different types of mortgages
  • How the application process works and different loans to consider

Secure and Fair Enforcement for Mortgage Licensing Act

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of U. S. Postal Service Federal Credit Union can be found below:

  • Arthur Turcotte - 608040
  • Michele Waters - 1652416
  • Connie Parham - 608039
  • Cinthia Smith - 715472
  • Shannon Willard - 1111408
  • Geraldine Adams - 1411111
  • Ricky Jones - 1045629
  • Tiera Wright - 1669167
  • Barbara Shelley - 1411441
  • U. S. Postal Service Federal Credit Union - 501858

If there are any questions, please call 800-877-7328 or visit the Mortgage Licensing System & Registry Consumer Site at

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 800-877-7328 regarding the locations where HMDA data may be inspected.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.