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.
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 $1.5 million if you qualify—with a fixed or adjustable rate.
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.
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.
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.
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.
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.
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.
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
Tell us a little bit about yourself and your real estate financing needs. We’ll reach out with ideas on how we can help.
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.
We’re here to help our members—and neighbors—meet their financial goals and live their best lives.
We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.
We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.
Loan and membership requirements apply. Federally insured by NCUA. Equal Housing Lender. NMLS# 477974. ACFCU does not finance land-only purchases. Email addresses are not a secure means of communication. Do not send personal information (account number, date of birth, social security number, inquiries about your account, or request changes to your account.) Visit our Contact Us page to learn how to send that information securely.