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Home Loans

Purchases

Purchasing a home is a complex transaction with many variables, and mistakes can cost you a lot of money for a very long time. A+FCU can help you learn more about the process and compare multiple mortgage options.

Mortgage Options

Looking to buy a home? We have you covered. Our award-winning Mortgage Lending team can help you find the right loan for you – plus, we offer calculators, articles, and financial counseling to help you get started.

We have a variety of mortgages and terms to give you the options you need to customize your mortgage.

15-Year Fixed-Rate

As Low As APR*
5.815%

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30-Year Fixed-Rate

As Low As APR*
6.165%

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15-Year Jumbo Fixed-Rate

As Low As APR*
6.282%

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30-Year Jumbo Fixed-Rate

As Low As APR*
6.645%

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5/5 Adjustable-Rate

As Low As APR*
6.169%

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10/10 Adjustable-Rate

As Low As APR*
6.335%

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Mortgage Rates

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage loan options
Rate APR* Estimated Payment
15-Year Fixed As low as 5.750% As low as 5.815% $2,906.44 per month for 15 years
30-Year Fixed As low as 6.125% As low as 6.165% $2,126.64 per month for 30 years
15-Year Jumbo Fixed As low as 6.250% As low as 6.282% $6,602.16 per month for 15 years
30-Year Jumbo Fixed As low as 6.625% As low as 6.645% $4,930.39 per month for 30 years
5/5 ARM As low as 5.750% As low as 6.169% $2,042.50 per month for initial fixed rate period (5 years)**
10/10 ARM As low as 6.125% As low as 6.335% $2,126.64 per month for initial fixed rate period (10 years)**

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*APR=Annual Percentage Rate

As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

As low as rates and payments are based on a $770,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater. Minimum loan amount of $766,550.

**Adjustable-Rate Mortgage (ARM) interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments.

Membership required. LTV = Loan to Value. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single-family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 10.15.2024.

Fixed-Rate Mortgage

A fixed-rate mortgage is a mortgage with an interest rate that stays the same for the entire term of the loan – meaning the monthly principal and interest payment won’t change.

Adjustable-Rate Mortgage

An adjustable-rate mortgage is a loan type that offers a lower initial interest rate than most fixed-rate loans. The tradeoff is that the interest rate can change periodically and the monthly payment will go up or down accordingly.

Conforming & Jumbo

Depending on much you borrow, you will either have a conforming or jumbo (non-conforming) loan. Conforming loans have a loan limit up to $766,550 for 2024. Any amount higher is considered a jumbo loan.

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Helpful

Rates & Resources

To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.

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Life Guidance for:

First-Time Homebuyer

Buying a home is a big deal, especially the first time around. Use these recommendations to prepare your finances, move through the application process, and know what to expect at closing and beyond.

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Life Guidance for:

(Re)Building Credit

Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.

Related Articles

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Buy Your Dream Home

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Take the stress out of homebuying – get the mortgage you need at a great rate and with lower fees.

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