Mortgage Loans

We can make buying your dream home a reality with loan options to fit your needs and low loan rates to help you save money. Interested in refinancing your current home or putting your home's equity to good use? We can help with that too. Visit our full-service Mortgage Loan Center for more information about our mortgage programs and the mortgage application process.


Apply for a Mortgage      Visit our Mortgage Center



Conventional, VA & USDA Mortgages

Our mortgage department offers loans to new home buyers and current homeowners. Whether you are purchasing a new home or refinancing your current mortgage, let our professionals walk you through this process.

Our conventional loan program offers down payments as low as 3%. The USDA Rural Development's single-family housing guaranteed loan program is designed to help borrowers purchase homes in rural areas and offers 100% financing.


Vacation and Rental Property

Have you been considering purchasing rental property or looking for a vacation home? We can help you secure your dream property. We offer a 10-year mortgage that amortizes your payments over 30 years giving you payments you can afford right now. You can start renting your second property now for increased income or enjoy your weekends relaxing in your new vacation home.


Home Equity

Do you want to remodel your home or consolidate some bills? A home equity line of credit may be the option for you. A home equity line of credit provides you with cash by leveraging the equity in your home.

Our home equity line of credit* allows you to access the funds from your line of credit over a 10 year period and this loan gives you 12 years to repay. You can borrow up to 100% of the value of the home, less any existing mortgages. You only pay for what you use and can make draws on your line of credit at any time through online banking. You may even qualify for a tax deduction for your interest payments to help your money go further (check with your tax advisor for details).

Stop by, give us a call or visit our online Mortgage Center for more information on rates and how to apply.


First-Time Homebuyer Purchase Assistance

All In CU can help get the money you need to make your first home your own. With first-time homebuyer's assistance, we can help access matching funds for the down payment and closing costs incurred when purchasing a home. For every $1 you contribute to your home purchase, you can receive $4 in matching funds, up to $5,000. Funding is available to qualified first-time homebuyers.*

 In addition to meeting income eligibility requirements, the homebuyer must:

  • Contribute at least $1,000 toward the purchase of the home
  • Occupy the home as a primary residence for at least five years
  • Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta

*First-time Homebuyer Product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan at www.fhlbatl.com for complete product requirements.


Community Partners Purchase Assistance

At All In CU, #WeGiveBack is more than just a hashtag and we are committed to supporting those in our community. As part of this commitment, we offer a unique financial opportunity for current or retired law enforcement officers, educators, health care workers, firefighters, and other first responders who are purchasing a home. All In CU can assist homebuyers in accessing matching funds for the down payment, closing costs and rehabilitation costs incurred when purchasing a home. For every $1 you contribute to your home purchase, you can receive $4 in matching funds, up to $7,500.*

In addition to meeting eligibility requirements, the homebuyer must:

  • Contribute at least $1,000 toward the purchase of the home
  • Occupy the home as a primary residence for at least five years
  • Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta

*Community Partners Product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan at www.fhlbatl.com for complete product requirements.


Table data for Mortgage Rates
 
Fixed Rate Loans
Rate
APR
Points
30-Year Fixed 4.250% 4.409% 0.125%
15-Year Fixed 4.000% 4.259% 0.000%
10-Year Balloon 3.750% 3.954% 0.000%
Land Only Loan 6.500% 6.799% 0.000%
VA Loans
Rate
APR
Points
VA 30-Year Fixed 4.250% 4.671% 0.000%
Home Equity Loans
Rate
APR
Points
HELOC 5.000% 5.000% 0.000%


MORTGAGE RATE INFORMATION: APR=annual percentage rate. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Advertised rates may change at any time. Rates for home equity lines of credit are variable and are tied to the market rate. Loans may not be available in all areas. Our maximum rate for home equity loans is 18% APR. Property insurance may be required. Other restrictions may apply. Contact us for full details.

All In Federal Credit Union NMLS #403197