FedFinancial Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are committed to accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 301-881-5626 and we will be happy to assist you. All products and services available on this website are available at our branch and over the phone.

Close your mortgage loan in 30 days or receive $1000 cash back. Our process is as easy as 1 2 3! Mortgage processing assurance


Talk to Chuck and get pre-approved for a home loan that fits you.

Chuck Goldston Mortgage Expert
NMLS# 409371
FedFinancial Federal Credit Union

Contact Chuck


Meet with Jackie and her team to help you find the home of your dreams.

Jackie Humenik Real Estate Expert
Realty Services

Contact Jackie


Choose the location for your closing.

Locations: Your Home or Office
Closing Agent Office
FedFinancial Office

Apply Now

With Us, You'll Get:

FedFinancial and Jackie will provide you with offers that save you money.

Jackie will
Give you 20% of her commission
as a credit at closing.

Receive a
Free Home Warranty
when you finance your mortgage with Chuck.**

Find a home and get your loan at FedFinancial

Chuck and Jackie will work with you to find a great home and provide a mortgage that fits your needs. Also, Jackie or one of her team members will even meet with you at the White Oak Branch.



7/6 Adjustable Rate Mortgage % %
Conventional 10 Year Fixed Rate % %
Conventional 15 Year Fixed Rate % %
Conventional 30 Year Fixed Rate % %
FHA 30 Year Fixed Rate % %

APR is Annual Percentage Rate. All stated mortgage rates are based on a home purchase transaction of $250,000, a minimum down payment of $50,000, a loan amount of $200,000 and repayments term as stated.  The stated APR is the lender’s standard rate for a borrower with a 750 credit score.  The actual rate may vary depending upon each individual’s credit history and transaction specific underwriting factors.  30-year term = 360 months and applies to 30 year conventional and FHA loans.  15-year term = 180 months and applies to 15 year conventional loans.  10-year term = 120 months and applies to 10 year conventional loans.  All loan programs, rates, terms and conditions are subject to change at any time without notice.  Rate scenarios are based on a 30-day lock.  

Review Our Member Educational Webinar: Homebuying in a Seller’s Market

Learn Information, Tips and Techniques to Get the Biggest Benefit When Purchasing a Home.


7/6 ARM - The Best Tool for the Job in Today's Mortgage Market

For most of the last decade, mortgage rates have been expected to increase in the future, which made it an easy decision to finance your home with a fixed-rate mortgage. Now though, the future is not so clear. What kind of mortgage do you get when you think rates will decrease?  If you don’t want to shell out for closing costs over and over, the answer is simple: you get a mortgage that will reprice to those potentially lower future rates. An Adjustable-Rate Mortgage (ARM) is perfect for when you think rates will decrease in the next 2-10 years. Plus, they tend to be the lowest rate currently available.

Don’t lock yourself into a rate you’re not happy with just because ARMs have a bad rap. The savvy homeowner knows that it can be a useful tool. 

Apply Now

APR = Annual Percentage Rate. 7/6 ARM = Adjustable-Rate Mortgage offered by FedFinancial FCU which is fixed for the first 7 years and changes every 6 months thereafter based on the Secured Overnight Financing Rate. Rate adjustment cannot exceed 5% at the initial change or 1% during any other change or 5% over the life of the loan.

Are you in a Competitive Buying Situation? You can Count On Us to Close As Fast or Faster than Other Lenders!

Jackie Humenik and Chuck Goldston have teamed up to provide you full-service home buying services.

Jackie is known as your Neighborhood Realtor because she has been working in the MD, DC and VA market for over 16 years. No matter what type of property you are looking to buy or sell, Jackie is the real estate agent that can help you.  

Chuck has been in the mortgage industry for over 17 years. He will work hard to provide you the best rates and lowest closing costs possible.

“We believe you will find our process to be the most convenient and efficient way to purchase a home and we will make sure you get great deals and match your home with the right mortgage!”

Your Trusted Lending Partner

FedFinancial Federal Credit Union Mortgage Loan Originators are registered with the Nationwide Mortgage Licensing System (NMLS).
Our Institution ID is 404966.

  • Chuck Goldston Director of First Mortgages
    NMLS ID# 409371
    301-881-5626 ext. 1206
  • Jonathan Rhodes President/CEO
    NMLS 2014630
  • Carlton Brooks Director of Lending
    NMLS 1867190
  • Heather Gray Director of Compliance
    NMLS ID# 433750
  • Authrene Hutchinson Teller Supervisor
    NMLS ID# 1271418
  • Naomi Lloyd Member Service Specialist
    NMLS ID# 2542884
  • Tia Davis Member Service Supervisor
    NMLS ID# 1611311
  • Nelson Briceno Director of Operations and Systems
    NMLS ID# 185667
Mortgage Processing Assurance


Apply for a Mortgage

*The Mortgage Processing Assurance guarantee only applies to loans of $250,000 or more and requires that members are approved for the loan and address all underwriting conditions within ten days of being notified of the conditions.
**Free home warranty not available on 7/6 ARM mortgages.

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