So, you’re ready to buy a home.

Mortgages

Contractors, moving boxes, yardwork, gutters—homebuyers have enough on their plates. It’s why we make the lending process as straightforward as possible, offering up competitive rates, fast pre-approval decisions and a variety of mortgage products with limits as high as $2 million on properties anywhere in the US.* Find what’s right for you and start planting your roots.

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Zero Down Mortgage

Start off on the right foot.

For first-time homebuyers, even a 10% down payment can feel like a reach. We can help by financing up to 100% of your purchase price up to $1 million if you qualify—with a fixed or adjustable rate.

FEATURES & BENEFITS

  • No down payment required
  • No private mortgage insurance
  • Choice of fixed or adjustable rate
  • Available on the purchase of a primary residence in Maryland, Virginia, D.C.
  • Members pay closing costs and meet reserve requirements

Current Rates

Apply Now

95% to 97% Financing

A little more down, a little more to gain.

Have a little bit of a down payment for your home? Apply for this mortgage, which is for homebuyers who put down 3% to 5% on your home purchase.

FEATURES & BENEFITS

  • Finance as much as 97% of your home’s purchase price
  • Choice of fixed or adjustable rates
  • Requires private mortgage insurance (PMI)
  • Available on primary residences only

Current Rates

Apply Now
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Fixed Rate Mortgage

Because nothing’s more important than peace of mind.

Keep your monthly payment predictable: Lock in your interest rate for the life of the loan, for priceless peace of mind.

FEATURES & BENEFITS

  • Rate stays fixed for the life of the loan for added peace of mind
  • Choice of 15-, 20- or 30-year terms
  • Available on primary residences, second homes and investment properties

Current Rates

Apply Now

Adjustable Rate Mortgage (ARM)

Take advantage of low intro rates.

Start paying a fixed rate, then move to an adjustable rate according to what the market dictates. ARMs typically offer below-market interest payments at the outset but may increase as time goes on—making them a solid option if you plan to move or sell before your rate changes to a variable one.

FEATURES & BENEFITS

  • Rate stays fixed for your choice of three, five, seven or 10 years then adjusts annually after that
  • Lower initial rate may mean you can afford more home for your money
  • Rate is capped for added peace of mind
  • Available on primary residences, second homes and investment properties

Current Rates

Apply Now
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Jumbo Loan

For your next big buy.

Do you have big dreams? Borrow up to $2,000,000 with a Jumbo mortgage from ACFCU. These mortgages typically have both higher interest rates and credit score requirements, but may be ideal if you’re trading up to a bigger home.

FEATURES & BENEFITS

  • Fixed rate mortgages with terms of 15 or 30 years
  • Adjustable rate mortgage options with a rate stays fixed for your choice of three, five, seven or 10 years then adjusts annually after that
  • Available on primary residences, second homes and investment properties

Current Rates

Apply Now

FHA Loan

Qualifying may be easier than you think.

Put as little as 3.5% down for this government-secured mortgage. FHA loans are insured by the Federal Housing Association and are more forgiving toward credit histories and qualifying ratios.

FEATURES & BENEFITS

  • Low 3.5% down payment required
  • More lenient on credit blemishes
  • Ideal for first-time homebuyers
  • Down payment can be a gift or a loan to the borrower from a family member or state housing agency program
  • Available on primary residences only

Current Rates

Apply Now
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VA Loans

Rewarding those who served.

Available to veterans, service members and surviving military spouses, VA loans require $0 down, provide lower average interest rates and come guaranteed by the U.S. Department of Veterans Affairs.

FEATURES & BENEFITS

  • No down payment required
  • Low fixed rates
  • Available on primary residence only

Current Rates

Apply Now

Refinancing

Find a better rate and save thousands.

Life changes. Mortgages should too. Refinance and you may achieve financial flexibility, reduce your monthly payments, adjust the length of your loan or even cash out on your existing loan.

Features & Benefits

  • Lock in a rate that fits your needs today, not yesterday
  • Conventional, FHA, and VA options available
  • Available for primary residence, second homes, investment properties
  • Available for single-family homes, townhomes, PUDs and condos
  • Accessory dwelling unit (ADU) financing options available

Current Rates

Apply Now
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Down Payment Assistance

For first-time homebuyers & community partners.

We believe in the communities we serve. It’s why we work with a number of organizations to provide low- and no-down payment loan assistance programs to low-income and first-time homebuyers.

FEATURES & BENEFITS

  • Available to eligible first-time homebuyers and qualified community partners such as law enforcement officers, educators, firefighters and healthcare workers
  • Get up to $4 for every $1 saved (maximum is $5,000 for first-time buyers; $7,500 for community partners)
  • First-time homebuyers must also complete a financial literacy course
Learn More

We’re with you, every step
of the way.

Whether you’re moving into your first home—or moving up to your “forever” one—ACFCU is here with the right mortgage and sound advice.

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Flexible financing

Borrow up to 100% of your home’s value at a competitive rate

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Fast answers

From pre-approval to closing in under 30 days

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Step-by-step guidance

Our mortgage experts are never too busy to talk

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Tips & tools

From checklists to how-to guides, find the info you need here

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

*Zero Down mortgages are ineligible

Loan and membership requirements apply. Federally insured by NCUA.

Equal Housing Lender. NMLS# 477974.

ACFCU does not finance land-only purchases.

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