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Find answers to our Frequently Asked Questions.
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First-Time Homebuyer

Getting a loan is not quite as exciting as finding your dream home, so let us guide you through the process. Use HomeAdvantage to search for homes, find a real estate agent, and receive a rebate. Take advantage of exclusive savings with TruStage™ Home Insurance.

Details:

  • 0.25% rate reduction
  • 0.50% origination fee reduction
  Rate APR Estimated Payment Terms
15-Year Fixed As low as 3.875% As low as 4.058% $7.43 per $1,000 per month
for 15 years
30-Year Fixed As low as 4.375% As low as 4.482% $5.06 per $1,000 per month
for 15 years

APPLY

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates listed include the 0.25% rate deduction. Payments for first lien do not include taxes and insurance premiums. Additional terms available. Automatic payment required. Valid only for purchase or refinance of owner-occupied primary residence. Not eligible with our combination loans. NMLS #405608. Rates as of 8.13.18. 

Educator Mortgage Loan Program

If you’re an educator, we offer special discounts on home loans. Use HomeAdvantage to search for homes, find a real estate agent, and receive a rebate. Take advantage of exclusive savings with TruStage™ Home Insurance.

Details:

  • 0.25% rate reduction
  • 0.50% origination fee reduction
  • Also available to refinance an existing non-A+FCU mortgage
  Rate APR Estimated Payment Terms
15-Year Fixed As low as 3.875% As low as 4.058% $7.43 per $1,000 per month
for 15 years
30-Year Fixed As low as 4.375% As low as 4.482% $5.06 per $1,000 per month
for 30 years

APPLY

APR=Annual Percentage Rate. Membership required. Must be a certified educator to qualify. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates listed include the 0.25% rate deduction. Payments for first lien do not include taxes and insurance premiums. Additional terms available. Automatic payment required. Valid only for purchase or refinance of owner-occupied primary residence. Not eligible with our combination loans. NMLS #405608. Rates as of 8.13.18. 

Federal Housing Authority (FHA) Loan

Depending on your situation, the Federal Housing Authority loan may be a good option.

  • Flexible qualification
  • Low 3.5% down payment
  • No prepayment penalty
  • Minimum 620 credit score
  • Primary residences only
  • Receive a rebate when using HomeAdvantage
  • Take advantage of exclusive savings with TruStage™ Home Insurance

APPLY

Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. NMLS #405608. 

Veterans Administration (VA) Loan

The Veterans Administration loan offers 100% financing for qualified active or retired veterans of the Armed Forces, including Reservists.

  • No down payment required
  • Flexible qualification
  • VA Funding Fee financed into loan
  • Sellers can contribute up to 4% of buyer’s closing costs
  • Minimum credit score 620
  • Primary residence only
  • Receive a rebate when using HomeAdvantage
  • Take advantage of exclusive savings with TruStage™ Home Insurance

APPLY

Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. NMLS #405608.