Mortgage Purchase
With our quick and easy online application, you can connect with an A+ mortgage expert to find the right home loan for you – starting with a FREE mortgage loan pre-approval from Austin’s Best Credit Union.
Mortgage Options
Ready to buy a home? We have you covered. At A+FCU, we’re more than just a lender – we’re your partner in the homebuying journey. Our award-winning team of mortgage experts are here to guide you through the process with A+ support, A+ rates, and A+ mortgage options!
Mortgage Rates
| Rate | APR* | Estimated Payment | |
|---|---|---|---|
| 15-Year Fixed† | As low as 5.875% | As low as 6.002% | $2,929.91 per month for 15 years |
| 30-Year Fixed† | As low as 6.750% | As low as 6.836% | $2,270.09 per month for 30 years |
| 15-Year Jumbo Fixed‡ | As low as 6.125% | As low as 6.219% | $6,907.07 per month for 15 years |
| 30-Year Jumbo Fixed‡ | As low as 6.750% | As low as 6.813% | $5,266.62 per month for 30 years |
| 5/5 ARM† | As low as 5.875% | As low as 6.555% | $2,070.38 per month for initial fixed rate period (5 years)** |
| 10/10 ARM† | As low as 6.500% | As low as 6.832% | $2,212.24 per month for initial fixed rate period (10 years)** |
*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 $812,000 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 $806,500.
**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 5.23.2025.
Fixed-Rate Mortgage
A fixed-rate mortgage has 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. On this loan the interest rate can change periodically and the monthly payment will go up or down accordingly.
Conforming & Jumbo
Depending on much you borrow, you’ll either have a conforming or jumbo (non-conforming) loan. Conforming loans have a loan limit up to $806,500 for 2025. Any amount higher is considered a jumbo loan.
“I think the process was easy – the team I worked with was great. They were very responsive and very good at thoroughly answering questions.”
– Anthony M., A+FCU Member
Questions?
Fill out this form and a lending representative will be in touch. For more immediate assistance during business hours, please call us at 512.302.6849.
Helpful Tools & Resources
Home Loan Calculators
Use our free calculators to compare 15- vs. 30-year terms and Adjustable- vs. Fixed-Rate options. You can even calculate how much home you can afford – start planning with confidence today!
Homebuying Blog Articles
Check out our helpful blogs for everything you need to know about buying a home – from tips to finding the perfect home to understanding closing costs and final steps.
Buying A Home
Homeownership can seem like a never-ending journey. Let us help you navigate everything from buying and selling a home to understanding mortgage products and refinancing.
Apply For A Mortgage
Take the stress out of homebuying – get the mortgage you need at a great rate and with lower fees.