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Choose a Mortgage Fit for You — With Guidance the Whole Way

Whether you’re a first-time buyer or upgrading your forever home, explore mortgage options, compare features, and learn what’s right for you.

The Best Rate Promise

Markets wobble. Your rate doesn’t. We lock in the lowest interest rate we can offer on any first mortgage — and it stays locked.

No Private Mortgage Insurance

Stop paying for insurance that does nothing for you. With no PMI at Langley, you keep more money in your pocket—every month.

Competitive Rates

Great rates shouldn’t be a rare find. Ours come standard.

Ready to start? Take the first step with confidence.
Apply now with no impact to your credit score.

Apply Today

Already have an application in progress?

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Langley's Best Rate Promise

Lock Your Interest Rate. Lose the Stress.

With Langley’s Best Rate Promise, you’ll always lock in the lowest first mortgage interest rate available to you between pre-approval and closing—no hidden fees, no extra steps.

Lock in the lowest rate available to you when applying for your first mortgage. Between pre-approval and closing, your rate can only get better. Available on all Langley first mortgage products.
Apply Now With Confidence

Discover Our Mortgage Options

Wherever you’re headed next, we have mortgage solutions designed to help you get there with confidence.

Fixed Rate Mortgages Rate as Low as 4.990% (5.165% APR*)

Fixed rate mortgages offer peace of mind by letting you lock-in a constant rate for the entire duration of your mortgage. Enjoy consistent payments for your budgeting and long-term plans.

Ideal for long-term planning with consistent payments Learn More I'm ready to apply
Adjustable Rate Mortgages Rate as Low as 4.875% (5.974% APR*)

Adjustable rate mortgages (ARMs) can offer lower rates that can change based on housing markets, potentially causing payments to fluctuate. The flexibility of ARMs can benefit those looking for options, especially those in strong markets.

Flexible option ideal in good markets Learn More I'm ready to apply
First Time Home Buyer Rate as Low as 5.750% (6.069% APR*)

By easing entry barriers, we work to help make homeownership smoother and more achievable for those purchasing their first home. Buyers can enjoy tailored benefits like low down payments that simplify both budgeting and qualification requirements.

Full financing option for those buying their first home Learn More I'm ready to apply
VA Mortgages Rate as Low as 5.875% (6.059% APR*)

Honoring those who have served, the Department of Veterans Affairs offers guaranteed VA loans up to 100% of the purchase price to qualified Virginians who have served in the armed forces.

Full financing option available only to veterans Learn More I'm ready to apply
FHA Mortgages Rate as Low as 6.000% (6.186% APR*)

FHA mortgages are government-insured home loans that allow buyers to qualify with lower credit scores and smaller down payments. They provide an accessible path to homeownership, especially for first-time buyers.

Ideal for those with credit scores below 600 Learn More I'm ready to apply
Pathway Mortgage A Unique Savings Option

Langley's Pathway Mortgage program is built to help pave the way to homeownership while keeping your savings intact. Borrow up to 103% LTV on qualifying properties to help cover additional expenses. Enjoy low down-payments and flexibile options.

Ideal for those needing additional funding. Learn More I'm ready to apply
All mortgage rates are subject to credit approval. Rates shown are "as low as" and are best offer based on an approval with a credit score of 740 or higher.

Why Choose Langley?

Local Mortgage Experts

Our mortgage loan officers are your neighbors, offering specialized services to the communities they love.

Competitive Rates

Enjoy low rates and down payment options designed to make homeownership accessible and affordable.

Fast Pre-Approvals

Speed through the pre-qualification process with our efficient service, getting you home faster.

Serving VA, MD, and NC.

With a presence in Virginia, Maryland, and North Carolina, we’re perpared to serve the housing needs of many.

Homenow Grant Options

Langley's HomeNow grants make homebuying dreams a reality for many. We have several different available grants to help you earn up to $20,000 towards your purchase!

Homenow First Time Home buyer1
Up to $17,500 grant for closing
100% financing with no down payment required
No Private Mortgage Insurance (PMI)
Rates as low as 5.750% (6.069% APR*)
Homenow Community Partners1
Up to $20,000 grant for closing
Active and retired military members, law enforcement firefighters, educators, and more!
Rate as Low as 5.000% (5.378% APR*)
Call & Learn More

FAQs

What's the first step in getting a mortgage?
Most homebuyers start by getting pre-approved. A pre-approval helps you understand how much you may qualify to borrow and gives you a clearer picture of your potential monthly payment—so you can shop with confidence and make informed offers.
What makes getting a mortgage with Langley different from other lenders?
Langley is a member-owned credit union focused on clarity, affordability, and long-term value. Key benefits include:
  • Competitive interest rates - Our interest rates are designed to be competitive and consistent, helping buyers better plan their monthly housing costs.
  • Best Rate Promise - Interest rates can change frequently during the homebuying process, which can make it difficult to know what your final monthly payment will be. With Langley’s Best Rate Promise, you receive the lowest interest rate available to you between pre-approval and closing. If interest rates drop, your interest rate drops. If interest rates increase, your locked interest rate stays the same. Many lenders offer similar options but often charge a fee to adjust your interest rate—Langley does not.
  • No Private Mortgage Insurance (PMI) on many loan options Most lenders require PMI when a buyer puts down less than 20%, adding an extra monthly cost that doesn’t reduce the loan balance. Many Langley mortgage options do not require PMI, helping lower monthly payments and reduce the overall cost of homeownership.
  • Local expertise and personalized guidance Langley lends in Virginia, Maryland, and North Carolina, with branches and mortgage team members who understand these local markets. That local knowledge helps guide buyers through regional pricing, expectations, and timelines—making the homebuying process feel more informed and less overwhelming.
Do I need to be a Langley member to apply?
You do not need to be a member to start the mortgage application. Membership is required to finalize and fund your mortgage, and enrolling is easy and can be completed during the process.
How much home can I afford?
Affordability depends on your income, monthly debts, credit profile, and down payment. Our easy-to-use homebuying calculators walk you through key considerations and help estimate your total home price range and expected monthly payment.

Affordability Calculator
Payment Calculator
How long does it take to get a mortgage?
Most mortgages close in about 30 days, though timelines may vary based on the property, appraisal, and documentation requirements.
Do you lend out of state?
Langley serves borrowers in Virginia, Maryland, and North Carolina. If you’re purchasing or refinancing a home in one of these states, we’re prepared to help. For properties outside these areas, contact us to discuss available options.
What types of mortgages does Langley offer?
Langley offers a range of mortgage options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), jumbo loans, first-time buyer programs, and refinancing solutions.
What's the difference between a fixed-rate and an adjustable-rate mortgage?
  • Fixed-rate mortgage: Your interest rate and monthly principal and interest payment stay the same for the life of the loan.
  • Adjustable-rate mortgage (ARM): Your interest rate is fixed for an initial period, then adjusts periodically based on market conditions.
Do you offer low or no down payment options?
Yes. Langley offers several mortgage options with low down payments, and some programs do not require PMI. Availability depends on the loan type and borrower qualifications.
What is PMI (Private Mortgage Insurance)?
PMI is insurance that many lenders require when a buyer puts down less than 20% of the home’s purchase price. It protects the lender—not the borrower—and adds to the monthly payment. Many Langley mortgage options do not require PMI, which can significantly reduce monthly costs.
What’s the difference between pre-qualification and pre-approval?
  • Pre-qualification: A quick estimate based on basic financial information. It’s a helpful first step and does not impact your credit score.
  • Pre-approval: A more detailed review of income, assets, and credit that provides a stronger estimate of what you can afford.
Getting a pre-qualification with Langley is fast and easy and does not impact your credit score.
What documents do I need to apply?
Applicants will need:
  • Recent pay stubs
  • W-2s or 1099s
  • Tax returns
  • Bank and asset statements
  • Government-issued ID
Additional documentation may be requested depending on your situation.
Will applying for a mortgage affect my credit score?
A full mortgage application requires a hard credit inquiry, which may cause a small, temporary impact. Getting a pre-qualification with Langley does not impact your credit score.
How are mortgage interest rates determined?
Interest rates are influenced by market conditions, economic factors, and individual details like your credit score, loan amount, and down payment.
What is Langley’s Best Rate Promise?
It can be frustrating trying to keep track of changing interest rates while shopping for a home—especially when some lenders charge fees just to adjust your interest rate during the process. Langley’s Best Rate Promise ensures you receive the lowest interest rate available to you between pre-approval and closing. If interest rates drop, your interest rate drops. If interest rates increase, your locked interest rate stays the same. Many lenders charge extra for this type of interest rate adjustment—Langley does not.
What is a rate lock?
A rate lock secures your interest rate for a specific period while your loan is processed, helping protect you from market changes before closing.
What’s included in my monthly mortgage payment?
  • Principal: The portion that pays down your loan balance
  • Interest: The cost of borrowing
  • Property taxes: Collected monthly and paid on your behalf
  • Homeowners insurance: Protects your home and lender
What are closing costs?
Closing costs typically range from 2–5% of the loan amount and include appraisal fees, title services, lender fees, and required escrows.
How long is my pre-approval valid?
Most pre-approvals are valid for 60–90 days.
What happens after my offer is accepted?
Your loan enters underwriting, where documents are reviewed, the appraisal is completed, and final approval is prepared before closing
Can I change loan types during the process?
Yes, depending on timing and eligibility. Your loan officer can help evaluate your options.
Can I pay off my mortgage early?
Yes. Langley does not charge prepayment penalties on first mortgages.
Can I refinance later?
Yes. Refinancing may help lower your interest rate, adjust your loan term, or access home equity.
What should I do if I’m having trouble making payments?
Contact Langley as soon as possible. Our team can review support options and help you navigate next steps.
1

May only be available seasonally

*

APR = Annual Percentage Rate

  

For properties in Virginia, Maryland and North Carolina only. Subject to credit approval. Insured by NCUA. NMLS # 402897