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Mortgages

Mortgages and Refinancing

Apply for a Mortgage

Mortgages

You're thinking about buying a new home, CONGRATULATIONS! At America's Credit Union our mortgage lenders work hard to get you the best mortgage rates and terms while simplifying the home loan process.

The first step in any home buying journey is to get pre-approved so you know how much home you can afford comfortably. You can get pre-approved quickly by completing a mortgage application now.

You can also use one of our free, simple online mortgage calculators to estimate how much home you can afford and how high of a mortgage you might qualify for.

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One of the best features of a Mortgage at ACU is that it's local. Your Mortgage is NOT sold! Your mortgage stays at ACU and is serviced by ACU.

Mortgage Features


  • No application fee.
  • No processing fee.
  • No pre-payment penalties.
  • No Private Mortgage Insurance (PMI) requirements.
  • Not sold. Your Mortgage stays at ACU!

  • No points to buy.
  • Minimal closing costs.
  • No adjustable rates.
  • All fixed-rate and balloon terms.

Our Fixed-Rate Mortgages are offered in 5, 10, 15, and 20-year terms. We also offer Balloon Mortgage Loans which can be amortized up to 30 years. Our Balloon Mortgages are offered with a fixed-rate and are not adjustable-rate mortgages.

 

Mortgage Refinancing

If you have a Mortgage at another financial institution or with an online lender, now is a great time to refinance your Mortgage with ACU. We have fewer fees than many mortgage lenders and the fees we do collect are often much less than you'll find with other mortgage programs. 

We like to keep our Mortgages and mortgage refinancing simple and affordable for our member-owners. Simply apply online now and we'll reach out to discuss which rate and term will work best for you. If you have equity in your home, you may be able to benefit from a new Mortgage and a new Home Equity Loan

Mortgage Rates and Terms

Mortgage rates change daily and vary based on the length of the term. To find out which terms offer rates that are best for you, call our Mortgage Department at 972-494-5328 or, if you're in Missouri, call our Springfield Branch at 417-881-0482.

Our Fixed-Rate Mortgages are offered in 5, 10, 15, and 20-year terms. We also offer Balloon Mortgage Loans which can be amortized up to 30 years. Our Balloon Mortgages are offered with a fixed-rate and are not adjustable-rate mortgages.

Mortgage Resources

HardcoverBookGraphicBuying or Refinancing with Equity

If you're buying a new home and will have equity at the time you get your Mortgage, or if you're refinancing your Mortgage from another lender to ACU and have equity in your home, you might be interested in a Home Equity Loan.

Check out our free eBook All You Need to Know About Home Equity Loans for tons of valuable information about utilizing the equity in your home. 

 

Table of Contents:

  • How to Calculate Home Equity
  • Benefits of Using the Equity in Your Home
  • Can You Use Your Home Equity Loan for Anything?
  • Securing a Good Home Equity Loan Rate
  • 4 Pitfalls to Avoid When You Apply For a Home Equity Loan
  • Potential Tax Benefits of a Home Equity Loan
  • Home Equity Loans with America's Credit Union

Claim Your Free Copy Now!


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Quick Tips To Increase the Value of Your Home

Get more from your investment

When it comes to increasing the value of your home, you should not spend home improvement dollars willy-nilly; some upgrades and renovations are considered more valuable than others.

Rather than putting your hard-earned cash down the garbage disposal in unnecessary expenses, consider the following checklist of home improvement items that are worth every penny.

Get Pre-Approved Today!

 

Apply for a Mortgage

America’s Credit Union is registered in the Nationwide Mortgage Licensing System and Registry (NMLS).

America’s Credit Union NMLS ID #: 562279

The following Loan Officers are also registered:

Deborah Joyce Barnett NMLS # 283002
Sandra J. White NMLS # 609176
Michelle Ann Fuller NMLS # 609175
Kelly LeAnn Reno NMLS # 1184331

You may log onto www.nmlsconsumeraccess.org to confirm that the lender and the mortgage professional with whom you wish to conduct business with is registered.