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Or call our Mortgage department at (651)256-0830
Which Program Fits You Best?
First Mortgage
Placeholder- Best for those looking to purchase their dream home.
- Both Fixed and Variable rates available.
- Rates updated daily. (Get a quote)
- Max term of 30 years.
- Minimum inital purchase of $25,000.
- Borrow up to 95% of the homes value with a conventional loan, 96.5% with an FHA, or up to 100% with a VA loan.3
- Closing costs are variable, and are quoted after the application.
- Close within 30 to 45 days.
- Escrow services are available.
- Traditional, ARM, FHA, and VA loans are all available.
- With a credit score of 740 or greater and an initial loan amount of $100,000, an estimated payment with an APR of 4.5% could be as little at $506.76 a month!4
Choice Home Equity
Line of Credit 1- Best for those looking to remodel a kitchen, add a room to your home, consolidate your debts… Anything you choose!
- Variable rates available.
- APR as low as 3.25%2
- Maximum term of 15 years.
- Draw period of 10 years.
- Minimum intial purchase of $10,000.
- Additional advances require $500 minimum
- Borrow up to 90% of the home’s value up to $200,000.
- No closing costs!
- Close within 15 to 30 days.
- Escrow services are not available.
Easy Refinance
Placeholder- Best for those looking to lower your payment or rate. Pay off your balance quicker.
- Fixed rates available.
- Rate is updated daily. (Call for current rate)
- Maximum term of 10 or 15 years.
- Minimum initial purchase of $25,000.
- Borrow up to 85% of the home’s value up to $417,000.
- Closing costs are a low $1,000 fixed origination fee. (May be financed)
- Close within 15 to 30 days.
- Escrow services are not available.
- Cash-out option available. May be first or second lien position.
- With a credit score of 750 or greater and an initial loan amount of $100,000, an estimated payment with an APR of 3.50% could be as little as $714.88 a month!4
1 May not be available in all states. Please contact us to confirm availability in your state.
2 Rate quoted assumes excellent credit. Rate on Choice Home Equity Line of Credit is a variable rate that is based on the prime rate, loan-to-value ratio, your creditworthiness, and whether the loan is a first or second position mortgage. Rate may not exceed 24.00% APR. Not all applicants will receive the lowest rate. Property Insurance is required.
3 Certain types of loans may have qualifications on who can apply. Talk to an ACU loan officer for details.
4 This is only an example payment scenario. Rates are subject to change and qualifications vary dependent upon credit score.
Because refinancing your home shouldn’t be so difficult
Refinancing your home shouldn’t be hard. It shouldn’t be so expensive. It shouldn’t take weeks and weeks to close. Ultimately, it shouldn’t be a hassle! Starting now, it’s not!
Introducing the Easy Refinance Loan, a great alternative to your 30-year mortgage. By simplifying the mortgage process, offering super-low rates, and minimizing closing costs, our new program takes the sting out of refinancing.
The Easy Refinance Loan features 10- and 15-year fixed-rate terms, taking years off your loan and saving you money in the long run. Cash out options are available and the minimal closing costs can be financed. Available as either a first or second mortgage.
Questions? Contact Us today. 651-256-0830
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