SECU MD Inc. Reviews

Disclosures from SECU MD Inc. indicate that its 30-year fixed-rate mortgage rate is 5.875% at the time of publishing, though rates vary based on market conditions and borrower profile. For reference, the national average 30-year fixed-rate mortgage is 6.46%, according to Freddie Mac.

SECU MD Inc. publishes its current rates for loans on its website. For the most accurate rates based on your individual situation, contact SECU MD Inc. or get prequalified on its website.

Mortgage rates vary based on your credit history, the type of loan, the loan amount, your down payment and the loan term.

SECU MD Inc. offers a variety of mortgage products, including:

• FHA
• Jumbo
• VA
• HELOC
• Conventional
• 100% Financing
• Fannie Mae HomeReady Mortgages
• Medical professional

The maximum loan you can get with SECU MD Inc. depends on the type of loan you apply for and your financial qualifications. In general, the maximum loan you can get through SECU MD Inc. is $2 million through a jumbo loan.

In most of the country, conforming loan limits in 2026 are $832,750 for single-unit properties. In Alaska and Hawaii, the limit is between $1,249,125 and $1,873,675.

The minimum credit score requirement for a loan from SECU MD Inc. depends on the type of loan you apply for. Keep in mind, minimum credit score requirements vary by loan type and borrower profile. Many lenders prefer 620 or higher, though some programs allow lower scores.

You can typically expect the following credit requirements:

• 620 for an FHA loan
• 720 for a jumbo loan
• 620 for a VA loan
• 700 for a HELOC loan
• 620 for a conventional loan

Even if you can’t meet these credit score requirements, you might be able to apply for a nonqualified mortgage through another lender. Note that this will likely result in a higher interest rate.

The minimum down payment for SECU MD Inc. depends on the loan type:

• 3.50% for an FHA loan
• 20% for a jumbo loan
• 0% for a VA loan
• 15% to 20% or more for a HELOC loan
• 3% for a conventional loan

Conventional loans typically require a higher credit score and down payment than you need for a government-backed mortgage, but individual cases may differ.

SECU MD Inc. recommends that all borrowers have a debt-to-income (DTI) ratio of no more than 43%. SECU MD Inc.’s maximum DTI ratio depends on the loan type and your financial situation.

For reference, most lenders issue conventional loans to those with a DTI ratio below 36%, but some mortgage lenders and loan types allow for a DTI ratio of up to 45%. Some FHA-insured loans may even allow for a DTI ratio of up to 50%.

SECU MD Inc.’s application can be completed online, by phone or in person. Be prepared to provide information about your income and assets so that SECU MD Inc. can determine how much you can borrow.

SECU MD Inc. application features

» LEARN: How to get a mortgage

You can expect to pay from 0.5% to 1% of the loan amount in origination fees as part of your closing costs with SECU MD Inc. This fee can vary, but we recommend that you plan to spend between 2% and 5% of your loan amount in closing costs on top of your down payment.