AmeriCU Dream Mortgage

Finance 100% of your new home's purchase price with 0% down!

A great alternative to a standard conventional or FHA loan, the AmeriCU Dream Mortgage makes your dreams of homeownership a reality with full financing, no money down, and no private mortgage insurance!

  • Available for single- or two-family homes, condos, or townhouses only
  • Fixed rate conventional mortgage (10 to 30 years)
  • Up to $350K for the maximum mortgage
  • No private mortgage insurance required
  • 3% Seller concessions allowed when negotiated with the Seller
  • Free homeownership counseling

Our local, experienced Mortgage Executives will help you get the financing you need to get a home you truly love. Save money and step into the home of your dreams – get started today!


A typical AmeriCU Dream Mortgage Loan with a 30 year term at 4.031% Annual Percentage Rate (APR) with no points and a $0 down payment would have 360 monthly payments of $4.70 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; the actual payment may be greater. Rate advertised is for a first-lien purchase-money mortgage on owner-occupied single- or two-family homes, condos, or townhouses only. Rates, terms and conditions vary depending on each individual’s credit history and underwriting factors and are subject to change without notice. Loans are subject to credit approval. Other restrictions may apply. Equal Housing Lender. Membership restrictions apply. Insured by NCUA.