First Mortgages

A straightforward mortgage—built for real life.

Buying a home is a big step—and the mortgage process shouldn’t feel overwhelming. At Quorum, we’re focused on making the experience clear, predictable, and supportive from the start. We take a thoughtful look at your full financial picture, offer easy online tools to keep things moving, and provide guidance from experienced mortgage professionals every step of the way. That way, you can move forward with confidence and focus on finding a place that truly feels like home.

Apply Now Contact Mortgage Sales

No obligation to apply today. Talk with a mortgage expert first.

15‑Year Fixed‑Rate Mortgage

We offer a range of fixed‑rate and adjustable‑rate mortgage options—but for borrowers focused on building equity faster and paying less interest over time, one option stands out.

A 15-Year Fixed-Rate Mortgage is a shorter‑term mortgage designed for borrowers who want to build wealth faster—with predictable payments and a highly competitive rate. Available for both home purchases and mortgage refinances.

Market leading rate for qualified borrowers

Talk with us today to see what you qualify for.

No risk based pricing surprises at closing

We don’t layer on extra pricing adjustments based on property type or credit profile—so costs stay straightforward and predictable, and rates stay low.

Fixed, predictable monthly payments

Your rate and principal & interest payment stay the same for the life of the loan.

Dedicated loan team from start to finish

Work with experienced mortgage professionals—not bots—who stay with you through closing.

Transparent, clearly explained costs

We won’t promise “no fees.” We’ll explain what they are, when they’re due, and why they exist—so you can plan with confidence.

Fast, reliable closings

Most 15-year fixed mortgages close in as little as 30 days, depending on your loan details and documentation timing.

The benefits of a 15‑Year Fixed Mortgage:

This loan is designed for borrowers focused on long‑term financial efficiency—not just a monthly payment.

Build equity faster
Pay off your home sooner
Reduce total interest paid over the life of the loan
A smart move for long‑term wealth building
Apply Now
Contact Mortgage Sales

Looking for a different structure?
We also offer other fixed‑rate and adjustable‑rate mortgage options. Contact Mortgage Sales to explore what fits your goals and timeline.

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Our mortgage was a breeze!

Extremely professional team, our mortgage was a breeze with all the support from Mirella and Brandi. Highly recommended.

Erika V.

I’ve been a member since 1978.

I’ve been a member since 1978. Saving and checking, term accounts, car loans and mortgages all with great rates. Couldn’t be happier. Great service with a knowledgeable customer service team.

Tim R.

This Credit Union quickly became my bank!

This credit union quickly became my bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!

markh

You can’t find a better credit union.

Just had an amazing experience with a Quorum customer representative. You can’t find a better credit union. Thank you for all your help. 😊😊👏🏽👏🏽👏🏽

E.S.

I love banking at QFCU.

The Quorum FCU representatives are very thorough. I love banking at QFCU.

Tamara L.

Above excellent customer service!

Love Quorum! Representative was helpful and resolved several issues in the one call! Above excellent customer service (and I don't say that often)!

Denise E.

Needed help replacing a compromised debit card.

Quorum agent Eddie was very helpful with the need I had replacing a compromised debit card. Positive interaction. I have been with Quorum for a very long time.

John C.

Pays top interest rates on savings accounts.

Great bank. Pays top interest rates on savings accounts. Good customer service. No unreasonable fees.

Karen K.

I am a very satisfied customer of Quorum for 24+ years.

I submitted a bank wire the wrong way. Savannah, Member Service Team, contacted me and helped me patiently to re-submit it correctly and avoiding at the same time to pay the transfer fee twice. She is very kind and professional. I am a very satisfied customer with Quorum FCU for 24+ years. Savannah has just reinforced my sentiment towards them. Thank you again, Savannah!

Lise

Put me at ease.

Eddie was very professional and i appreciating the follow up call on my recent wire I was sending. This extra step of confirmation put me at ease to make sure that my money would not be stolen through wire fraud. Thank you.

Shelly S.

I love their attention to detail!

I called Quorum this evening with an issue involving my debit card, and they were quick to assist me and inform me how to correct the issue. I've banked with Quorum for at least 35 years (and possibly as long as 37). I love their attention to details!

Denise R.

I will remain a loyal member due in part to the amazing customer support.

My CS Agent Shelly was very professional, polite and knowledgeable. Her patience as we walked through how to resolve my issue was stellar. I have been a long-time customer of Quorum Federal Credit Union and I will remain a loyal member due in part to the amazing customer support through the years. She is another great example! Keep up the great work, Shelly.

Rayshon D.

What I needed to be done was completed in under 10 minutes.

I phoned in to specify what term and APY I wanted for 2 IRA Term accounts that were about to mature. The Credit Union representative was courteous, knowledgeable and helpful. What I needed to be done was completed in under 10 minutes, and I am satisfied.

John B.

Have always gotten excellent service.

I've been banking with this credit union for years, and have always gotten excellent service. Thank you for helping me with an error on my part and reversing fees for this longstanding customer!

Barrianne B.

Super helpful and friendly.

The customer service and member services department are super helpful and friendly. Eddie helped me today: great personality and very patient.

Suzie

Been there over 20 years.

Been there over twenty years. Good FCU.

Vanessa K.

Exceptional customer service experience!

I was assisted by a very knowledgeable representative named Bonnie. Bonnie answered questions I had not asked yet and informed me of actions that needed to be taken to implement a necessary life changing situation. If Bonnie could be cloned, it would be an exceptional customer service experience!

Idella H.

Fraud on my debit card.

The customer service person was very helpful and patient with me and did a wonderful job of guiding me with steps that needed to be taken to submit a dispute and closing my debit card. Thanks for such a wonderful experience with my issues ❤️.

Virginia

Very good service.

Very good service.

Bernard D.

Quick and friendly.

My husband and I have been with Quorum since the days of it being the Kraft Employee Credit Union. We have always had quick and friendly responses to all of our requests/issues. Through multiple life events, multiple moves, multiple loans, we have always maintained our accounts there and plan to for the future.

Theresa P.

Very helpful and understanding.

It was nice talking with Eddy; he was very helpful and understanding with my needs, and it was very easy to fix what I needed; thank you, Quorum!

Margarita G.

Helped me through a tricky HELOC process.

Eli Shereshovech was great. Helped me through a tricky HELOC process. You could tell he really went the extra mile to prioritize the customer.

Chris C.

Very pleasant and professional.

Very pleasant and professional; answered all questions.

Jo P.

Excellent service.

Excellent service.

Abraham C.

Your support was excellent.

I had a problem with my debit card; your support was excellent.

Eduardo L.

Just Amazing People.

Just a couple of days ago I called Quorum and the same gentleman, Kevin, helped me out with a little issue and took care of everything; just amazing people at this credit union. Thank you Kevin for your help!

Kin F.

Very patient and kind.

Very patient and kind with their help.

Yvelisse B.

A pleasure to get on the phone.

Ebony is an excellent and very professional person. It is a pleasure to get her on the phone.

Janene T.

Member Service Team was really helpful in assisting me!

We are back from a cruise tour in the U.S. and Canada. During our vacation, my debit card was blocked (nearly a financial disaster). I called Quorum and got great help, first from Kevin B. After telling him my story, he transferred me to the Fraud Department. Unfortunately, they could not help, as I had one important piece of personal information that was not available. I called Quorum again and got Ebony. Ebony did a super job; she called the Fraud Department and convinced them I'm not a debit card fraudster. Thank you very much for your time and tremendous help, Ebony. Last, but not least, a thank you to Savannah. Coming back from Canada to the U.S., I emailed Quorum asking for support for another debit card alert and Savannah took care of that. Overall, the Member Service Team was really helpful in assisting me!

Klaus W

Easy to fill out application!

Straight to the point, easy to fill out application, and well put together!

Melissa F.

Professional and knowledgeable.

Professional, knowledgeable, sympathetic; a quick and enjoyable experience calling Quorum today!

James B.

Awesome experience.

Awesome experience working with Brianna and the team! Extremely helpful and went above and beyond.

Tysen C.

For security, I give them an A+.

I have been with this Credit Union for 12 or 13 years. For security, I give them an A+. Customer service is very helpful. Happy customer 😁

Rose E.

Absolutely great customer service.

Very helpful. Absolutely great customer service. Made my day.

Rehan H.

Best and most helpful in all my 15+ years with Quorum.

Today’s assistance was the best and most helpful in all my 15+ years with Quorum Federal Credit Union.

Carrie H.

Very friendly and extremely professional.

I just had a phone call to Quorum, talking to Bonnie. She helped me to activate my new debit card which I could not do myself from Germany. Bonnie was very friendly and extremely professional to get my request done. Now the card is activated for the next vacation in the US :-) Thank you very much, Bonnie.

Klaus W.

Very polite and professional.

The representative that I had the pleasure to talk with today took her time; she used safety measures to make sure I was who I said I was; very polite and professional.

Sheila L.E.

Very helpful and professional.

Very helpful and professional.

Ibrahim

I’ve been a member for almost 30 years.

I’ve been a member for almost 30 years. I stay because the customer service professionals are excellent!

Ross W.

Great customer service.

Great customer service.

Barbara R.

Excellent customer service.

Excellent customer service. Eddie was excellent.

Louis A.

Glad we found Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

I’ve been a member for over 35 years.

I've been a member of Quorum Federal Credit union for over 35 years. I highly recommend to anyone that would like low banking fees, a great banking experience and fantastic customer service.

Laurie D.

Excellent problem solvers.

I've been banking with Quorum for years. They're always very pleasant to interact with and they're excellent problem solvers. Thank you, Quorum. You're the best.

NYCBlkM4WhtM

Lifetime approval from me!

I have had checking and savings accounts for years with Quorum Federal Credit Union and have never had any problems. Therefore, when I needed a mortgage loan, I turned to Quorum. Their staff was a joy to work with. Very professional, informative and attentive to my every question, concern throughout the entire process. Quorum gets my lifetime customer approval from me.

Ruby S.

Very good service and rates.

Very good service and rates.

Stan L.

This Credit Union quickly became my bank!

This credit union quickly became my bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!

mhudson

Great rates.

I've been a member of Quorum for many years. They almost always have great deposit rates and the app is super easy too!

Tbe

Friendly, helpful and knowledgeable representatives.

New customer. Friendly, helpful and knowledgeable representatives. They answered ALL my questions and stayed on the phone with me through the entire setup and deposit process. I hope the exceptional customer service continues. Based on my experience, so far, I would definitely recommend.

Cynthia M.

Excellence, patience and care.

Shelly's service was of excellence and she walked me through the entire claims process with ease and calmness. I greatly appreciate her customer service skills of excellence, patience and care. Thank you.

Janice J.

OUTSTANDING!

Shelly was nothing short of OUTSTANDING! Big thank you to her and her follow through.

Bob S.

Personable staff who are motivated to bring solutions.

Brand new customer. So far so good. They were able to answer all questions promptly and accurately. Will see how follow-through goes but no complaints, which is a good thing! Personable staff who are motivated to bring solutions.

Vicki P

Highly recommend.

Amazing experience with this company for the past two years. I highly recommend.

Jorgefelix S.

Extremely helpful and knowledgeable.

The Quorum representative was extremely helpful and knowledgeable. I appreciate all she did to resolve my situation.

Carl W.

I so appreciate their time and hard work.

I want to thank Adisa, Debra, Eddie and Ellie for the excellent customer service that they gave me during the past week and a half. It made a difficult experience easier to deal with. The patience, understanding and kindness that they showed me was outstanding. They should be commended on doing their job with such expertise and professionalism. I so appreciate their time and hard work.

Mary F.

They do NOT disappoint.

Quorum has been my primary bank for over 5 years where they do NOT disappoint. Not only do they offer the best interest rates with the HighQ Savings and term CDs, they are prompt to provide answers to any questions that you may have regarding transactions with a detailed explanation of both benefits and minimum balances as well as other options to avoid fees. I encourage others to use these benefits and services offered.

Sonja M.

Friendly, knowledgeable, efficient.

Service member was friendly, knowledgeable, efficient and solved my problem quickly.

Marianne M.

Love my Credit Union.

Great experience today! We even got disconnected and she called me back after my issue was solved! Love my Credit Union.

Allison W.

Excellent customer service.

Excellent customer service. Very kind, courteous, pleasant and patient!

Vince D.

Quorum is the BOMB!

Quorum Federal Credit Union is the BOMB! Best customer service, helpful & assists with any concerns. I've banked at conventional "brick mortar" banks for 50 years. The extra benefits, better rates and customer service are by far SUPERIOR to any bank anywhere. Look them up, compare as I did then sign up. They are truly the real deal.

Gary H.

Just a wonderful credit union.

Just a wonderful credit union. Very knowledgeable people with kindness and professionalism. I’m an older gentleman, you can always call and speak with a human voice, it doesn’t have to be done on the computer. It’s a wonderful organization. If you’re looking for a credit union that offers great CD rates, great customer service, and most of all is very professional, I would recommend them to anyone that is looking for those qualities and some of the highest CD rates in the country. Quorum Federal Credit Union is all five star - first class, in my opinion.

Kin F.

Great experience being a member.

Quorum is a great credit union. The staff are always so helpful, friendly, and very patient. Great experience being a member.

Carla F.

Polite, professional, helpful.

Polite, professional, helpful. What customer service should be.

Penny W.

A safe place to put your money.

This is a safe place to put your money. They have very proactive fraud prevention systems that I am impressed with. Recently, I moved a large amount of money that is going towards the purchase of a car and my account not only required a code, but I received a phone call within a half hour of my transaction from one of their professionals, Savannah. She politely quizzed me, and from every angle may I say, to establish that it was indeed me who was working within my account. The savings and CD rates are great also and, their website works like clockwork. Thank you, Quorum, for being the best!

LS B.

CD and high-yield savings rates are excellent.

CD and high-yield savings rates are excellent. Decent service for an online only bank.

Celtics

Refreshing.

I was amazed at the simplicity and speed at which things were handled today. Not something you see every day in business anymore. So refreshing.

Livin Curiously

Knowledgeable and friendly.

Bonnie was both knowledgeable and friendly. My issue was corrected immediately.

Catherine C.

Very helpful and attentive.

I have been a member of Quorum for many years. They have always been helpful and very attentive. I highly recommend Quorum for financial business.

Herminia M.

Our mortgage was a breeze!

Extremely professional team, our mortgage was a breeze with all the support from Mirella and Brandi. Highly recommended!

Erika V.

Tremendously patient and helpful.

Quorum customer service was tremendously patient and helpful today. I'd phoned with two problems, which were successfully addressed with a combination of patience and professionalism.

Richard B.

Love everything about them.

Have been a member for 15 years and love everything about them: have a HighQ account, QClassic checking and a mortgage with them, too.

Sharon C.

Go with a credit union-and this is a good one.

Really nice group here; they actually work with you, much like a community bank. They are also fast and efficient.If you are tired of being gouged by the Big and Ugly banks, you should go with a credit union--and this is a good one.

Heidi K.

Have been a faithful and delighted customer.

I joined Quorum in 1998 and have been a faithful, and delighted customer since. Any issue I have experienced has always been handled with respect, knowledge and follow-through. Can't give them enough high praise. Today I was contacted by Quorum so they could personally update me on a specific change in their policy that may affect me. What other company takes the time and consideration to do that? I don't know of any other. Adisa was the Quorum representative who contacted me. Her approachability and the fact that she consistently asked if I was comfortable in giving answers to the requests for information from me made me feel safe and comfortable. Any business who employs someone of Adisa's caliber is worthy of all my banking business! Thank you, Quorum... you guys really are The Best!

Kathy C

Always friendly and courteous.

Always friendly and courteous. Great job by the Quorum team. Great to do business with them.

Bill J.

Simply just wonderful.

Today and yesterday's agents were simply just wonderful. I say this because it is a hit or miss with agents. Previous years I've always had very nice agents. Meaning, not that they knew everything, but more so of the care and kindness they shared. That what counts as service for me and what is most important. Out of the several calls I had to make within the last few days, like I said, today's and yesterday's agents were very kind and knew their job well. I am most grateful. I wanted to give credit where credit is do. Thank you, you have put my mind at ease.

Tery A.

Extremely efficient.

Bonnie at Member Services Quorum Federal Union was exceptional! Extremely efficient and explained processes very well. Highly recommend her!

Kip K.

Highly recommend Quorum for your HELOC needs!

Eli Shereshovech and his team were amazing. We were able to close my HELOC very quickly and I was kept up to date the entire way through. I highly recommend Quorum for your HELOC needs! :)

Monica S.

Wonderful experience.

I had a wonderful experience working with QFCU to get a HELOC. The team working on our behalf included Elizabeth Ruggiero, Mirella Prestia, and Christina Moore and each and every one of them were a joy to work with. They provided prompt responses to our questions, step by step instructions, and showed great attention to detail throughout the process. I would highly recommend their services!

Arden M

Thank you.

Brandi, thank you for your assistance with getting the HELOC done!

Eun Suk L.

Communicative, patient and provided all the information we needed.

We were lucky to get in touch with Vanessa, who helped us out during a HELOC application. She was very communicative, patient and provided all the information we needed, on time. Thank you, Vanessa!

Diego and Laura

10/10!

Eli Sheresovech and his team at Quorum were outstanding in our first interaction. The HELOC process was simple, easy, fast and ahead of time! 10/10!

James O.

Very attentive.

Eli, Daniel's & Nancy were very attentive with their responses. The process for my Heloc was quick and painless. I'm very pleased.

Brianne T.

Very competitive HELOC.

Vinny and Jacqueline assisted my husband and I with a HELOC recently. My husband and I both work in the mortgage business, so needless to say, we are picky about the process, because we know how it should be! The process with them was flawless, the tech platform was user friendly, communication was stellar and they offer a very competitive HELOC. We highly recommend them!

Jennifer A.

A very good experience.

Worked with Vincent and Yesenia for my HELOC application. They were very responsive and clear about everything from the beginning. When the application ran into a few issues, they went above and beyond to make sure that I had all the exceptions and approvals in place for a smooth release of funds well in time. Overall, it was a very good experience working with them and Quorum. Thanks.

Nikhil B.

Very straightforward and efficient.

Just completed a HELOC with QFCU. Process was very straightforward and efficient. Christina and Nancy were excellent. Portal process for uploading and reviewing documents was a breeze.

Steven G.

Stellar communication and attention to detail.

Quorum Mortgage has clearly delivered an experience that exceeded even the highest standards of service in the industry! It's amazing when everyone works together seamlessly, especially during such a critical process like a mortgage. Props to Lorena, Bryce, Brian, and the rest of the Quorum team for not only closing the transaction on time, but doing so with stellar communication and attention to detail.

David C.

We love Quorum!

My wife and I just closed on a mortgage with Quorum (my first and her second time using Quorum!), and we couldn’t have been happier or more satisfied with the entire process. From a great rate, to an easy online application, to incredible service and communication throughout (have to personally thank Mirella, Brandi, Kathy and the rest of the Quorum Lending team for making the process so easy and stress-free), we were 100 percent satisfied with the entire experience. Thank you, Quorum Lending, for always being available to answer emails and questions, and for helping us to close on our home! We love Quorum!

View all reviews

First Mortgages

15‑Year Fixed‑Rate Mortgage

Market leading rate for qualified borrowers

No risk based pricing surprises at closing

Fixed, predictable monthly payments

Dedicated loan team from start to finish

Transparent, clearly explained costs

Fast, reliable closings

The benefits of a 15‑Year Fixed Mortgage:

A mortgage experience that’s clear, modern, and human

Commonsense underwriting

Fully online, start to finish

Real-time updates

Mortgage experts, not bots

Transparent fees, clearly explained.

No pre-payment penalties

Calculate your budget with confidence

Mortgage Calculator

How Much Home Can I Afford?

Rent vs. Buy Calculator

Mortgage Payoff Calculator

Articles & tips for homebuyers

Mortgages 101: Know Your Options

What You Didn’t Know About Home Loans

Closing Costs: What to Expect (and How You Can Potentially Reduce Them)

I’m Buying a Home—Should I Be Pre Approved?

What to Expect During the First Mortgage Process

Why Choose Quorum?

Our mortgage was a breeze!

I’ve been a member since 1978.

This Credit Union quickly became my bank!

Member Reviews

You can’t find a better credit union.

I love banking at QFCU.

Above excellent customer service!

Needed help replacing a compromised debit card.

Pays top interest rates on savings accounts.

I am a very satisfied customer of Quorum for 24+ years.

Put me at ease.

I love their attention to detail!

I will remain a loyal member due in part to the amazing customer support.

What I needed to be done was completed in under 10 minutes.

Have always gotten excellent service.

Super helpful and friendly.

Been there over 20 years.

Exceptional customer service experience!

Fraud on my debit card.

Very good service.

Quick and friendly.

Very helpful and understanding.

Helped me through a tricky HELOC process.

Very pleasant and professional.

Excellent service.

Your support was excellent.

I’ve been a member since 1978.

Just Amazing People.

Very patient and kind.

A pleasure to get on the phone.

Member Service Team was really helpful in assisting me!

Easy to fill out application!

Professional and knowledgeable.

Awesome experience.

For security, I give them an A+.

Absolutely great customer service.

Best and most helpful in all my 15+ years with Quorum.

Very friendly and extremely professional.

Very polite and professional.

Very helpful and professional.

I’ve been a member for almost 30 years.

Great customer service.

Excellent customer service.

Glad we found Quorum.

I’ve been a member for over 35 years.

Excellent problem solvers.

Lifetime approval from me!

Very good service and rates.

This Credit Union quickly became my bank!

Great rates.

Friendly, helpful and knowledgeable representatives.

Excellence, patience and care.