Home Loan Center
It’s probably the biggest purchase any of us will ever make – a home. And while the process of buying or refinancing will never be completely stress free, we’re here to make it as smooth as possible.
First Mortgages Fixed
5|5 Adjustable
Home Equity Line of Credit
Home Equity Loan
Home Buying Resources

First Mortgages Fixed
At Alliance Credit Union, we’re into helping our members reach their goals. And for many people, one goal is owning their own home. That’s why we offer a full array of first mortgages–available with a choice of competitive fixed or adjustable rates to fit your individual goals.

We’ll help turn your dream into a reality.
NMLS Registry Information for Alliance Credit Union Mortgage Loan Originators
Click here for Mortgage Loan Originator Verification.
Meet the new 5|5 Mortgage from Alliance – for those who want both flexibility and stability in one
The average American moves or refinances every five to seven years - our 5|5 Adjustable Rate Mortgage is made for those looking for an affordable home loan that may not need a 30-year commitment. The 5|5 Mortgage is more secure than a typical adjustable rate mortgage and offers lower interest rates than a traditional fixed rate mortgage. You’ll enjoy five years of low, locked-in payments, then an adjustment only every five years after that1. It’s the perfect mix for homeowners who want the best of both worlds.
  • Great rates with no closing costs – click here for current rates
  • Up to $625,500 financing for purchases or refinances
  • Maximum term of 30 years
  • Rate subject to change every 5 years
  • Maximum interest rate adjustment of 2 percent every five years or 5 percent over the life of the loan


Not sure what an adjustable mortgage is? Curious about how our 5|5 Mortgage is different? Take a look at the video below to learn more.




[1] The rate on this mortgage can change every five years. Available mortgage rates and terms are subject to change at any time. Click here for current mortgage rates. Maximum loan amount $625,500. Available only in properties located in California or North Carolina. Other restrictions apply.
Home Equity Line of Credit
Treat your home like the asset that it is and get a home equity line of credit.1 It’s a convenient source of cash you can use anytime for anything from vacations, major purchases, and unexpected expenses, to bill consolidation and more. Best of all, the interest on a home equity loan is often tax deductible. (Consult your tax advisor.)

[1] Customary closing costs may be paid by the Credit Union, borrower to pay appraisal fee.
Home Equity Loan
Apply for a Home Equity Loan and receive fixed rates as low as 3.99% APR1!

You put a lot into your most valuable asset. It’s time to get something out of it. Your home’s equity can help you finance anything from a college education to an upgrade on your house. Use this low cost source of cash for anything!

The interest is typically tax deductible which will save you money in the long run. Get some peace of mind with a fixed rate, fixed term and fixed payments.

So don’t wait. Take advantage of your home’s equity today – click the link below to apply now.

All of our 15-year second mortgage loans have fixed rates and could be tax deductible.2 (Consult your tax advisor.)
[1] APR - Annual Percentage Rate. Speak with an Alliance Credit Union employee for details.
[2] Customary closing costs may be paid by the Credit Union, borrower to pay appraisal fee.

Let us help you find the home of your dreams!

As an Alliance Credit Union member, you have access to certain perks. Our HomeAdvantage™ program is an easy-to-use service that can assist you through the home buying or selling process. When you enroll in this free service you’ll have exclusive access to:
  • MLS Listings: Search for homes by the number of bedrooms, baths, square footage and zip code, among other features. Set up email alerts when new properties that match your criteria for the perfect home become available.
  • Neighborhood Research: Location, location, location. Get access to neighborhood demographic including weather conditions, school ratings and crime rates.
  • Get Referred to a Trusted Realtor: Want to find the right realtor for you? Get referred to some of the best local agents to help you through the process. Browse the network of agents or have one recommended to you.
  • A Rebate: When you work with any agent in the HomeAdvantage network, you will receive a rebate – An average of $1,545!
Enroll now and tell us what’s important to you - a big yard, a guest bedroom, good schools - it’s up to you! Already enrolled in HomeAdvantage? Click here to log in.

OR

Click here to contact a lending representative to get started on the mortgage loan approval process.

The HomeAdvantage program is made available to you through a relationship between Alliance Credit Union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your Alliance Credit Union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Your credit union may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with Alliance Credit Union to get details that may affect you.
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