Purchase or Refinance Your PNW Home With ACU

Turn your Pacific Northwest dream home into reality with America’s Credit Union’s mortgage solutions!

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Are you looking to buy a house or refinance your existing mortgage in the Pacific Northwest? Whether you dream of a charming bungalow in Tacoma’s vibrant Hilltop neighborhood or a spacious home closer to Olympia’s natural beauty, America’s Credit Union is here to help! We offer a variety of mortgage programs to fit your needs, from first-time homebuyers to veterans seeking VA benefits. With competitive rates and experienced mortgage specialists in Pierce and Thurston counties, we’ll guide you through the process and find the perfect solution for your dream home. Explore our diverse mortgage options below and start your journey to homeownership today!

Purchase & Refinance Programs

Putting down roots in the Pacific Northwest? America’s Credit Union is your one-stop shop for financing your dream home in Tacoma, Olympia, or surrounding areas of Pierce and Thurston Counties.  We offer a variety of mortgage programs to suit your needs, from first-time homebuyers to veterans. Explore our options below and get started on your homeownership journey today!

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Fixed Rate Mortgage

  • Guaranteed rates through the life of your loan
  • 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

Adjustable Rate Mortgage (ARM)

  • A lower initial interest rate that may vary after a fixed period
  • Best if you: Expect to own your home for a short period of time 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

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Pure Plus ARM – Zero Down

  • Best if you: Are a first-time home buyer and don’t have a down payment
  • Terms: 30 years with the initial rate period of 5 years
  • Down Payment: No down payment with no PMI

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Jumbo Mortgage

  • Guaranteed fixed rates through the life of your loan
  • Best if you: Securing financing for a high-value property
  • Terms: 15, 20, or 30 years
  • Loan Amount: High balance loan up to $2,000,000.00

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VA Loans

  • Guaranteed rates through the life of your loan
  • 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 is required

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FHA

  • Guaranteed rates through the life of your loan
  • Best if you: Have limited cash, minor credit problems or low to moderate income
  • Terms: 15 or 30 years
  • Down Payment: As low as 3.5% down with up front PMI

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Land Loans

  • Buy raw land, lots, and acreage of up to 20 acres
  • Competitive rates and terms

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Apply for a mortgage loan online or contact our Mortgage Experts today to learn more:

Contact an ACU Mortgage Expert!
1495 Wilmington Drive, Suite 180
DuPont, WA 98327
Phone: 253.591.6871

mortgageemail@youracu.org

 

More Ways ACU Can Help With Your Financing

America’s Credit Union offers our members a great range of products and services. Find out more about some of our other lending options:

Personal Loan
Borrow to pay for whatever you want, whether it’s to cover the cost of an unforeseen expense, a big event, or to turn a dream into reality.
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Home Equity Loan
Borrow the money you need for your dreams with a fixed-rate Home Equity Loan from America’s Credit Union!
Learn More 
HELOCs
Tap into your home’s potential: Access a flexible credit line with a HELOC from America’s Credit Union!
Learn More

 

Annual Percentage Rates, terms, and conditions offered are subject to change without notice. Limited to one to four family units. Property must be in the state of Washington, Oregon, or Idaho. Property insurance is required. Values based on current tax assessment or Automated Value. Subject to credit and DTI approval. Credit union membership qualifications apply, including an initial savings deposit of $25.

America’s Credit Union NMLS 449181