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.
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.
Keep your monthly payment predictable: Lock in your interest rate for the life of the loan, for priceless peace of mind.
With an Adjustable Rate Mortgage, start paying a fixed rate for three, five, seven, or ten years, 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.
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.
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.
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.
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.
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.
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.
Borrow up to 100% of your home’s value at a competitive rate
From pre-approval to closing in under 30 days
Our mortgage experts are never too busy to talk
From checklists to how-to guides, find the info you need here
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.
*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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