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. Are you interested in refinancing your current home or putting your home's equity to good use? We can help with that too.

Interested in learning what a Mortgage is and how it works? Click here.

Apply for a Home Equity      Apply for a Mortgage    Get a Mortgage Quote

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Conventional, FHA, VA & USDA Home Loans

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Home Equity

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Vacation & Rental Property

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Explore how to calculate costs and other factors to consider before buying a home. Click here to learn more!

Conventional, FHA, VA & USDA Mortgages

All In offers a variety of conventional mortgages as well as FHA, VA and USDA home loans. With a conventional loan you can put as little as 3% down. In addition to Conventional Mortgages, Veterans Administration (VA) Loans are available to veterans, reservists, active-duty personnel and eligible family members who may qualify for 100% financing. FHA loans require a minumum down payment of 3.5%. We also offer the USDA Rural Development's single-family housing Guaranteed Loan Program that is designed to help borrowers purchase homes in rural areas and offers 100% financing.

Whether you are purchasing a new home or refinancing your current mortgage, let our professionals walk you through this process.

First Time Home Buyer Program

All In Credit Union can help get the money you need to make your first home your own. Now is a great time to buy and we're here to help you achieve your dream of homeownership. Our First Time Homebuyer Program offers:

  • Down payments as low as 3%
  • Fixed-Rate Mortgages
  • 100% Gift Funds Allowed
  • 30 Year Terms

All loans are subject to underwriter approval terms and conditions may apply. Subject to change without notice.

Home Equity

Do you want to remodel or consolidate some bills? A Home Equity Line of Credit (HELOC) may be the option for you. By leveraging the equity in your home or investment property, you can receive cash to make purchases or pay off higher-interest debt. Even better, when you finance through us, we pay for all of your closing costs!

Our HELOC allows you to access the funds from your line of credit over a 10 year period and gives you 12 years to repay. You can borrow up to 95% of the value of your primary home or 90% of your investment property, less any existing mortgages. You only pay for what you use and can make draws on HELOC 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 for more information on rates or apply online for a Home Equity.

Land Loans

Your dream home starts with a dream location. Whether you plan to build your home right away or a few years from now, All In is here to help you begin the process. Our Land Loan is an easy and affordable way to purchase a residential lot or land suitable for constructing your new home.

  • Financing available up to 95% of the appraised value
  • No limit on the acreage amount
  • Finance undeveloped land without future plans to build

Vacation and Rental Property

Have you been considering purchasing a 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. With financing from All In, you can start renting your second property now for increased income or enjoy your weekends relaxing in your new vacation home.

All In Federal Credit Union NMLS #403197

NMLS Registry Information for All In Credit Union Mortgage Loan Originators