Purchase and Refinance Programs

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

Fixed Rate Mortgage

  • Guaranteed rates through the life of your loan
  • Best if you: Want a guaranteed rates or are financing a second property
  • Terms: 10, 15, 20, or 30 years
  • Down Payment: As low as 3% with PMI

Adjustable Rate Mortgage (ARMS)

  • 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 the initial rate period of 5 years
  • Down Payment: As low as 3% with PMI

Pure Plus (ARM)

  • Purchase transactions only, no down payment and no PMI
  • 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
  • *Washington State only

VA

  • 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 required

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

View Rates

 

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

mortgageemail@youracu.org

 

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 required. Values based on current tax assessment or Automated Value. Subject to credit and DTI approval. Credit union membership qualifications apply, including initial savings deposit of $25.

America’s Credit Union NMLS 449181