We Get It. It’s Hard to Save. How does Zero-Down Sound?


You can afford the monthly house payment. It's coming up with 5%, 10% or 20% down that is the challenge for many of our members.  That's why we designed the Zero Down Mortgage.

  • No Money Down
  • No Private Mortgage Insurance (PMI)

We’re able to help you without the usual required down payment as we structure your loan into two loans:

  • 80% of the loan into one loan at a fixed rate
  • The rest of the loan (20%) into a second loan at a fixed rate

Let's get started! The "Related Info" links will help you understand more about the home buying process, what documents you'll need, and how to calculate estimated payments.

Review this information before setting up your appointment with one of our Mortgage experts. We’ll answer your questions about the process. Then we’ll help you make a plan that’s unique to you.

We offer the convenience of an online mortgage application. It takes about 10-15 minutes to complete.

What You Can Afford

Getting your financing lined up with a complete approval (not just a “pre-approval”) prior to making an offer on a property is a sound strategy. It can help you get the best deal possible especially if you plan to make a minimal down payment. 

Don’t lose a significant amount of negotiating ability. Be perceived as a strong buyer. That’s why it’s very important to get full loan approval in advance and in writing to include when making an offer. 

When you meet with us seeking an approval, we will look at your entire financial picture. Then we determine what product best fits your needs today and in the future.

Contact our Mortgage team to schedule your appointment: mortgages@arlingtoncu.org or 703.526.0200Call 703-526-0200 x465.

Haven’t chosen a Realtor yet? 

We work with a lot of Realtors and will be happy to recommend one. 

The Fine Print

*Loan and membership requirements apply.  Federally insured by NCUA. Equal Housing Lender.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 477974

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.