Mortgages - AmeriCU Credit Union - Start today! 800.388.2000

AmeriCU Mortgages

Whether you are looking to buy your first home, buy a new home, build the home of your dreams or refinance your current home, we have a program to fit your needs. Your home is one of the biggest investments you’ll make in your life, so choosing the right mortgage program is important. AmeriCU is here to be your trusted advisor & guide you to homeownership. Plus, all of our lending decisions are made locally. Contact a Mortgage Executive today! We offer a variety of mortgages including:

Current Mortgage Holders - Click here for important information

Conventional Fixed Rate Mortgage

A fixed rate means steady, predictable monthly payments for the term of the loan. An ideal choice if you’re planning to live in your new home for many years to come.

Down payments as low as 3%
Fixed rate for the term of the loan
10 to 30 year terms available
Mortgage insurance is required with less than 20% down payment

View Current Conventional Fixed Rate Mortgage Rates.

Apply for a conventional fixed rate mortgage today.

Construction Loans

Building your dream home? AmeriCU can help you!

A variety of terms available
Fixed or adjustable rates available
Option of interest only payments during construction

For current rates, contact an AmeriCU Mortgage Executive.

AmeriCU Veterans Fixed Rate Mortgage

Qualifying veterans & active duty service members can finance up to 100% of the purchase price with no mortgage insurance – and a low fixed rate!

Available to qualifying veterans & active duty service members
Low fixed rates for the term of the loan
Finance up to 100% of purchase price with no mortgage insurance

Apply for an AmeriCU Veterans fixed rate mortgage today.

Contact an AmeriCU Mortgage Executive to get started today!

Jumbo Mortgage Loans

Looking to make a large real estate purchase? AmeriCU offers jumbo loans.

For loans over $647,200
Fixed or adjustable rates
A variety of terms available

For current rates, contact an AmeriCU Mortgage Executive.

Camp Cottage Program

We also have programs to finance your camp, cottage, or second home. Contact a Mortgage Executive to learn more!

Adjustable Rate Mortgage (ARM)

These mortgages offer lower initial interest rates and payments for a fixed period. After the initial period, the rate adjusts annually. A great choice if you’re not sure how long you plan to own your home and are comfortable with a payment that can change over time.

Mortgage insurance is required with less than 20% down payment

Apply for an ARM today.

Contact an AmeriCU Mortgage Executive to get started today!

contact a mortgage executive

get pre-qualified

apply for a mortgage

Additional Resources

Mortgage Resource Center

Start learning with Our Mortgage Resource Center. Take advantage of helpful calculators to determine what fits your budget, find tips for every step of the home buying process, get familiar with mortgage terminology, and more.

Home Equity Options

If you’re planning to refinance, AmeriCU has two great options so you can choose which is right for you. A cash out refinance allows you to tap the equity in your home to consolidate debt, make home improvements, take a vacation, or pay for college. Rate and/or term refinance allows you to shorten your term to pay off your mortgage more quickly or at a lower rate.

Keep in mind, refinancing may not be the best option if you are planning to move within three to five years, as you will not recoup the associated costs. Instead, consider home equity loans and lines.