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Remote Deposit Capture (mobile deposits) will be intermittently unavailable Sunday, January 24th from 6 am – 11 am CST for maintenance.

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      (800) 543-2811
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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.

       

      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, 20, and 30-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.

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      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
      Privacy Policy

      America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.

      The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. 

      America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.

      © America’s Credit Union 2021 All Rights Reserved.