Buy or Refinance, Wherever Home Is
Whether it is your first house or your forever home, America's Credit Union offers mortgage programs for every buyer nationwide, from first-timers to veterans, with competitive rates and one dedicated expert from application to closing.
Find the Program Built for You
Every buyer starts in a different place. Pick the description that sounds like you and jump straight to the program that fits.
First-Time Buyer
Little or no down payment saved and ready to own your first home.
See Pure Plus and FHAVeteran or Service Member
Earned VA benefits and want zero down with no PMI.
See VA loansMove-Up or Refinance
Buying a larger home or lowering your payment on your current one.
See Fixed and ARMHigh-Value Purchase
Financing a premium property above conventional loan limits.
See JumboMortgage Programs for Every Buyer
America's Credit Union is your one-stop shop for financing a home, wherever you live. Compare the options below and start your journey today.
A Rate That Never Changes
Guaranteed rates through the life of your loan, so your principal and interest payment stays the same from your first payment to your last.
- Best if you: Want a guaranteed rate or are financing a second property
- Terms: 10, 15, 20, or 30 years
- Down Payment: As low as 3% with PMI
Start Lower for the First Five Years
A lower initial interest rate that may vary after a fixed period, giving you smaller early payments while you settle in.
- Best if you: Expect to own your home for a short period and want to take advantage of lower rates and payments
- Terms: 30 years with an initial rate period of 5 years
- Down Payment: As low as 3% with PMI
Buy Your First Home With No Down Payment
A zero-down program built for first-time buyers, with no down payment and no PMI, so you can own sooner without years of saving.
- Best if you: Are a first-time home buyer and do not have a down payment
- Terms: 30 years with an initial rate period of 5 years
- Down Payment: No down payment and no PMI
Financing for High-Value Homes
Guaranteed fixed rates through the life of your loan on high-balance financing for premium properties.
- Best if you: Are financing a high-value property
- Terms: 15, 20, or 30 years
- Loan Amount: High-balance loan up to $2,000,000
The Home Loan You Earned
Guaranteed rates through the life of your loan with no down payment and no PMI, honoring the service of veterans nationwide.
- Best if you: Are a veteran and want to purchase or refinance your home
- Terms: 15 or 30 years
- Down Payment: No down payment or PMI required
A Flexible Path to Ownership
Guaranteed rates through the life of your loan with a low down payment, designed for buyers with limited cash or minor credit concerns.
- Best if you: Have limited cash or minor credit concerns
- Terms: 15 or 30 years
- Down Payment: As low as 3.5%
Not Sure Which Program Fits? Ask a Mortgage Expert.
Choosing a mortgage should not feel overwhelming. Tell an America's Credit Union mortgage specialist about your goals and your budget, and they will match you to the right program. Our team lends to members nationwide and stays with you from application to closing.
A Home Loan Built Around You
Big lenders sell rates. America's Credit Union pairs competitive programs with real people who stay with you from application to closing.
Programs for Every Buyer
Fixed, ARM, Pure Plus, Jumbo, VA, and FHA options cover first-timers to high-value buyers.
Zero-Down Options
Pure Plus and VA loans open the door with no down payment and no PMI.
Dedicated Mortgage Experts
Specialists who guide members nationwide from pre-approval through closing day.
Purchase or Refinance
Buying your first home or lowering the payment on your current one, we handle both.
Competitive Rates
Credit union pricing keeps your rate and your monthly payment working in your favor.
One Point of Contact
The same specialist guides you from application to closing, no call-center handoffs.
Three Steps to Your Front Door
You bring the dream. We bring the programs, the pre-approval, and a dedicated team that stays with you to closing.
Explore Your Options
Compare fixed, ARM, Pure Plus, Jumbo, VA, and FHA to find your fit.
Apply and Get Pre-Approved
Apply online or with a dedicated specialist to learn your budget.
Close on Your Dream Home
Your ACU mortgage team guides you from offer to closing.
“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 FAQ
Answers to the questions homebuyers ask most about purchasing and refinancing with ACU. In a FairPriceCheck analysis of 2025 HMDA filings, median total loan costs ran $6,874 at Rocket Mortgage and $7,516 at Movement Mortgage against a national median of $6,680, and credit unions typically post the lowest closing costs of any lender type.
Disclosures
All loans subject to credit approval. Rates, terms, and programs subject to change without notice and vary by creditworthiness, loan type, and property. PMI required on some programs. Property insurance required. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.
Start Your Journey to Homeownership
Explore your options and get pre-approved with a dedicated mortgage expert who stays with you to closing.