Apply for a Better Mortgage Experience
Start your secure application online and get pre-qualified, even before you find a home. Learn how the process works, then let a dedicated Home Loan Consultant guide you the rest of the way.
Understand the Process Before You Start
A mortgage feels simpler when you know what happens at each step. Here is how applying with ACU works and how your credit fits in.
Apply Before You Find a Home
You can apply for a mortgage before you find a property. ACU can issue a pre-qualification subject to you finding the right home, which can give more weight to any offer you make. When you find the home, you call your Home Loan Consultant to complete your application, lock in rates and fees, and we finish processing your request.
- Pre-qualify before you shop
- Stronger offers with a pre-qualification
- Complete your application when you find the home
- Lock rates and fees at that time
How Credit Scores Factor In
A credit score is one piece of information used to evaluate your application. Scores are calculated by the credit bureau, not the lender, from your payment history, outstanding obligations, length of credit history, types of credit, and recent inquiries. Mortgage credit scores range from about 300 to 900; a higher score generally means lower risk. ACU never evaluates an application without looking at your total financial picture.
- One factor among many
- Based on your full credit history
- Calculated by the bureau, not ACU
- We review your complete financial picture
What to Expect Next
Once you submit the secure application, a dedicated Home Loan Consultant reviews it and reaches out to you. You provide the documentation needed to verify the information you shared, and you receive a decision with a clear breakdown of what it means. Your consultant stays with you through every step, so you always know where things stand and what comes next.
- Submit the secure online application
- A Home Loan Consultant reviews and reaches out
- You provide the documentation needed to verify your details
- You receive a decision with a clear breakdown
Ready to apply? Start your secure online application.
Apply from any device in a few minutes. Your information is protected the whole way through, and a dedicated Home Loan Consultant follows up personally.
Start Your ApplicationBuilt Around You, Start to Finish
America's Credit Union pairs a secure online application with real people who see the whole picture.
Apply Online Securely
Complete your application on any device through a secure, hosted platform.
Pre-Qualify Before You Shop
Apply before you find a home and get a pre-qualification subject to the right property.
In-House Decision-Making
Work with dedicated Home Loan Consultants who know your file and your goals.
One Point of Contact
One Home Loan Consultant guides you from application through closing.
Total-Picture Review
We look at your complete financial picture, not just a credit score.
Rate Lock When You Are Ready
Lock your rate and fees when you find the home and complete your application.
Three Steps From Application to Home
You do not need to have it all figured out. Start online, and your Home Loan Consultant takes it from there.
Start Online
Complete the secure application, before or after you find a home.
Talk to Your Consultant
A dedicated Home Loan Consultant reviews your application and reaches out.
Lock and Move Forward
Lock your rate and fees and we complete the processing.
“ACU made our home buying process smooth and stress-free. Their mortgage team went above and beyond, and we closed on time with zero surprises.”
Mortgage Application FAQ
Answers to the questions members ask most about applying for a home loan.
Disclosures
Pre-qualification is not a commitment to lend and is subject to verification, credit approval, and finding an eligible property. All loans subject to credit approval. The online application is hosted by a secure third-party provider. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.
Start Your Application in Minutes
Apply online securely, or call a dedicated Home Loan Consultant to talk it through first.