Mortgage Loans

We can make buying your dream home a reality with loan options to fit your needs and low loan rates to help you save money. Interested in refinancing your current home or putting your home's equity to good use? We can help with that too. Visit our full service Mortgage Loan Center for more information about our mortgage programs and the mortgage application process.

Conventional, VA & USDA Mortgages

Our mortgage department offers loans to new home buyers and current home owners. Whether you are purchasing a new home or refinancing your current mortgage, let our professionals walk you through this process.

Our conventional loan program offers down payments as low as 3%. The USDA Rural Development's single family housing guaranteed loan program is designed to help borrowers purchase homes in rural areas and offers 100% financing.

We have the right mortgage for you.


Stop by to see us , give us a call or visit our online Mortgage Center for more information on rates, what to expect during and after the application process, mortgage payment calculators and more!

Apply Online

Home Equity

Do you want to remodel your home or consolidate some bills? A home equity line of credit may be the option for you. A home equity line of credit provides you with cash by leveraging the equity in your home.

Our home equity line of credit* allows you to access the funds from your line of credit over a 10 year period and this loan gives you 12 years to repay. You can borrow up to 100% of the value of the home, less any existing mortgages. You only pay for what you use and can make draws on your line of credit at any time through online banking. You may even qualify for a tax deduction for your interest payments to help your money go further (check with your tax advisor for details).

Stop by to see us , give us a call or visit our online Mortgage Center for more information on rates and how to apply.

Limited Time Offer: $0 Closing Costs, $0 Appraisal Fees & No Annual Fees on Home Equity Lines of Credit

For a limited time, you can take advantage of no loan closing costs, no appraisal fees, no annual fees plus low loan rates when you open a home equity line of credit with us! Now is the best time to get cash for home improvements, a dream vacation, debt consolidation and more.

*Certain restrictions may apply. See complete details about this offer.

Vacation and Rental Property

Have you been considering purchasing rental property or looking for a vacation home? We can help you secure your dream property. We offer a 10-year mortgage that amortizes your payments over 30 years giving you payments you can afford right now. You can start renting your second property now for increased income or enjoy your weekends relaxing in your new vacation home. 

Stop by to see us , give us a call or visit our online Mortgage Center for more information on rates and how to apply.

Ready to Apply?

We have the right Mortgage for you!

Visit our Mortgage Center to apply online and track your application progress.

Apply Online

Mortgage Rates

  •  
Fixed Rate Loans
Rate
APR
Points
30 Year Fixed Rate 4.750% 4.903% 0.000%
15 Year Fixed Rate 3.950% 4.209% 0.000%
10 Year Balloon 3.750% 3.954% 0.000%
VA Loans
Rate
APR
Points
Federal VA 30 Year Fixed Rate 4.500% 4.928% 0.000%
Home Equity Loans
Rate
APR
Points
15 Year Fixed Second 4.750% 4.904% 0.000%
Home Equity Line of Credit 5.000% 5.000% 0.000%

MORTGAGE RATE INFORMATION: APR=annual percentage rate. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Advertised rates may change at any time. Rates for home equity lines of credit are variable and are tied to the market rate. Loans may not be available in all areas. Our maximum rate for home equity loans is 18% APR. Property insurance may be required. Other restrictions may apply. Contact us for full details.

Army Aviation Center Federal Credit Union NMLS #403197

Frequently Asked Questions:

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