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Special Programs

Teacher with children

Get your dream home with a specially-designed home loan.

If you’re a first-time homebuyer, an educator, or a veteran, we have a home loan program to fit your needs.

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 Rate APR
First-Time Homebuyer 0.25% rate reduction
0.50% origination fee reduction		 As low as 3.750% As low as 3.932%

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 are for 15 year loans and includes the 0.25% rate deduction. $7.30 per $1,000 per month for 15 years. 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 6.18.18. 

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 Rate APR
Educator Mortgage 0.25% rate reduction
0.50% origination fee reduction
Also available to refinance an existing non-A+FCU mortgage		 As low as 3.750% As low as 3.932%

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 are for 15 year loans and includes the 0.25% rate deduction. $7.30 per $1,000 per month for 15 years. 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 6.18.18. 

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.