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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.
Apply for pre-approval at ACFCU and enjoy a $500 credit at closing.1
Before you start shopping for your new home, apply for pre-approval so you're ready when you find the right house and get a $500 credit toward your closing costs at closing.
ACFCU is so much more than a lender, we’re your neighbor. Apply today and enjoy our neighborly service.
- We’re a trusted community partner
- We offer competitive rates
- We listen to your home goals to give you a loan that fits
- Professional, personal guidance available at every step
- We offer a wide variety of loan products to meet your needs
- Applicable on any new purchase of a mortgage product, including Zero Down, Jumbo, Fixed Rate, and ARM loans
零首付抵押贷款
从右脚开始。
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.
- 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
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.
- 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
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.
- 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
Adjustable Rate Mortgage (ARM)
Take advantage of low intro rates.
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.
- 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
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.
- 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
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.
- 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
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.
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.
- 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
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.
- 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
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.
Flexible financing
Borrow up to 100% of your home’s value at a competitive rate
Fast answers
From pre-approval to closing in under 30 days
Step-by-step guidance
Our mortgage experts are never too busy to talk
为什么选择阿灵顿
作为一个提供全方位服务的信用社，我们是一个像您一样的会员的合作组织，我们知道，通过团结一致，我们都可以在我们的财务旅程中受益。
金融赋权
我们在这里帮助我们的会员和邻居实现他们的财务目标，过上最好的生活。
奖励体验
我们认为，没有什么比服务于我们的会员更有意义的了，并且相信一次好的转变值得另一次。
诚信至上
我们不仅满足您的金融需求，还承诺做您的好邻居，诚信服务。
细则
1 Offer ends 5.31.21.
*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. 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 联系我们 页面，了解如何安全地发送该信息。
