HOME LOANS

HOME LOANS


ARE YOU HAPPILY MORTGAGED?

HOME LOANS

Mortgages designed just for you. We offer a variety of options along with personalized service to find a home loan that best fits your needs.

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HOME EQUITY LINE OF CREDIT

Use the equity in your home to fund important steps in your life.

  • Lines of credit up to $250,000
  • Tap into the funds repeatedly and pay back as you go
  • Competitive rate and an easy, affordable repayment schedule
  • Enjoy quick and easy application process
  • Receive personalized service and answers to all your questions from our loan experts

Contact our loan experts at (334) 844-4120 to learn more.

APPLY ONLINE MORTGAGE RATES
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1ST MORTGAGE - FIXED RATE

Flexible, affordable home financing.

  • Find the best option for your specific home-buying situation with a conventional loan from AUCU. Our mortgage specialists work closely with you to select the rate, down payment and terms that meet your financial goals. Whether you’re buying your first home, investing in a rental property or anything in between, we have the right solution for you.
  • Conventional mortgage loan features
  • Up to 80% loan-to-value financing
  • Fixed- and variable-rate terms

APPLY ONLINE MORTGAGE RATES
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2ND MORTGAGE - FIXED RATE

Interested in a fixed monthly payment but don’t want to refinance an existing first mortgage? This is a great choice.

  • Borrow a lump sum and enjoy a fixed payment
  • Get a fixed term and rate
  • Receive up to 90% combined loan-to-value financing
  • Terms up to 10 years

APPLY ONLINE MORTGAGE RATES
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ARM & BALLOON MORTGAGES

AU Credit Union offers a variety of mortgage options designed with terms and rates to fit your needs. We finance ARMs (Adjustable Rate Mortgages) & Balloon Mortgages to service our members non-conventional mortgage needs.

Adjustable-Rate Mortgages include:

  • Typically have lower interest rates than fixed-rate mortgages
  • Fixed for a set period of time
  • Rate can lower during an adjustment period
  • Lower rate means you pay more towards your principal every month
  • Could qualify for a higher loan amount
  • No pre-payment penalty, can refinance without a penalty

Balloon Mortgages include:

  • Fixed rate for a shorter period of time with smaller monthly payments.

  • One large payment, or balloon payment, is due at the end of the term.

  • At the end of the term, you can refinance your loan, buy a new home, or pay it off.

  • Typically have lower interest rates than fixed-rate mortgages

    Please contact us at (334) 844-4120 for more information.

APPLY ONLINE MORTGAGE RATES

How much will my loan payments be?

Home Affordability Calculator

CHECK OUT OUR GREAT LOW RATES

All loans are subject to credit approval. Rates are subject to change and are based off of credit worthiness.

LOAN RATES

NEED TO MAKE HOUSING DECISIONS?

Foreclosure prevention and support, homebuyer and reverse mortgage counseling, and other resources to help you make informed decisions about your housing options.

HOUSING COUNSELING