Log In
1-800-343-6328
Email UsGet Started
Complete the form below to get started on your mortgage application or schedule a consultation.
Faith-Driven Homeownership
You intentionally fill your home with the presence of Jesus, shouldn’t your mortgage and financial institution seek to do the same? America’s Christian Credit Union (ACCU), we believe your financial journey should align with the first mission field – your home.
By choosing ACCU, you gain the advantage of flexible mortgage solutions with the ability to serve all 50 states plus:
- Competitive market pricing to help you secure the best deal.
- Flexible options including fixed and variable rate mortgages
- Quick and proactive closing process to ensure you move into your new home without delays.
- A dedicated mortgage representative providing personalized guidance every step of the way.
- Fueling Christian ministries, missions, and causes throughout the United States by contributing to a banking ecosystem that pays competitive deposit rates and low lending rates to both individuals and ministries.
Make your home purchase a step toward fulfilling your financial goals and advancing your biblical worldview today!
Choosing America’s Christian Credit Union (ACCU) over traditional banks or local credit unions allows you to align your financial decisions with your faith. Since 1958, ACCU has been dedicated to serving the financial needs of ministries and families across the country. Better than a digital bank ACCU has over 30,000 ATMs and 5,600 shared branches across the country via the Co-Op Network. Plus, banking with ACCU means you’re not just a customer; your contributions directly support ministries, missions, and causes that empower communities and advance the gospel.
Beyond mortgages, ACCU offers a comprehensive range of banking services for individuals and businesses designed to accompany you throughout their financial journey. Whether you want to bank, borrow, or invest, ACCU provides competitive rates and quality products tailored to fit your needs. With a commitment to exceptional, personalized service, ACCU is your financial partner, helping you achieve your goals while making a positive Kingdom impact.
Conforming Loans (Amounts to $802,650)2
| Product | Term | Rate | Points | APR1 | Est. Payment per $100,000 |
|---|---|---|---|---|---|
| 15-Year Fixed3,5,11 | 180 Months | 6.000% | 1.250% | 6.295% | $843.86 |
| 30-Year Fixed3,5,11 | 360 Months | 6.500% | 1.250% | 6.683% | $632.07 |
| 5/1 Adjustable-Rate7,8,11 | 360 Months | 5.875% | 1.250% | 6.952% | $591.54 |
| 7/1 Adjustable-Rate7,9,11 | 360 Months | 6.500% | 1.250% | 7.100% | $632.07 |
| 10/1 Adjustable-Rate7,10,11 | 360 Months | 6.750% | 1.250% | 7.141% | $648.60 |
Conforming High-Cost Area (Amounts $802,650 – $1,149,825)2
| Product | Term | Rate | Points | APR1 | Est. Payment per $100,000 |
|---|---|---|---|---|---|
| 15-Year Fixed3,5,11 | 180 Months | 6.125% | 1.250% | 6.382% | $850.62 |
| 30-Year Fixed3,5,11 | 360 Months | 6.625% | 1.250% | 6.785% | $640.31 |
| 5/1 Adjustable-Rate7,8,11 | 360 Months | 5.875% | 1.250% | 6.855% | $591.54 |
| 7/1 Adjustable-Rate7,9,11 | 360 Months | 6.500% | 1.250% | 7.016% | $632.07 |
| 10/1 Adjustable-Rate7,10,11 | 360 Months | 6.750% | 1.250% | 7.076% | $648.60 |
Jumbo Loans (Amounts $1,149,825 – $2,250,000)
Jumbo loans are available. Please contact a Real Estate Loan Specialist at (661) 284-1150.
What types of mortgage products does America’s Christian Credit Union offer?
We offer a variety of mortgage products, including 30-year fixed mortgages, 15-year fixed mortgages, and 5/1 adjustable-rate mortgages (ARMs) for both home purchases and refinancing. Each option is designed to fit your financial needs and goals.5,6,8
How does the mortgage application process work at ACCU?
The mortgage application process at ACCU is straightforward and designed to be user-friendly. You can begin the application and pre-approval process online or with a dedicated mortgage representative who will guide you through each step, from documentation to closing.
What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage?
A fixed-rate mortgage has a consistent interest rate throughout the life of the loan, providing predictable monthly payments. In contrast, a 5/1 ARM features a lower initial rate for the first five years, after which the rate adjusts annually based on market conditions. This option may be beneficial if you plan to sell or refinance before the rate changes.5,6,8
What are the benefits of choosing ACCU for my mortgage?
By choosing ACCU, you not only receive competitive rates and personalized service, but you also support Christian ministries and causes across the U.S. Our commitment to your financial journey is rooted in our statement of faith, ensuring that your banking experience aligns with your beliefs.
Can I refinance my current mortgage with ACCU?
Yes, ACCU offers refinancing options for existing mortgages. Whether you’re looking to lower your monthly payments, shorten your loan term, or access equity in your home, our team will help you find the best refinancing solution tailored to your needs.
What are the eligibility requirements for a mortgage at ACCU?
Eligibility requirements may vary based on the type of mortgage and your financial situation. Generally, you will need to provide documentation of income, credit history, and employment. Our dedicated mortgage representatives will work with you to assess your eligibility and guide you through the process.
Do I need to be a member of ACCU to apply for a mortgage?
You do not need to be a member of America’s Christian Credit Union to apply for a mortgage. However, you will need to become one before the mortgage closes. Besides, becoming a member is simple, and provides access to our range of financial products and services designed to support your financial journey.
How can I get started with a mortgage at ACCU?
Getting started is easy! Click here, complete the simple form and from there you can apply for a mortgage online through our partners at American Family Funding, or by scheduling time with a dedicated mortgage representative who will help you with the pre-approval process and answer any questions you have about our mortgage products and services. Your faith-driven path to homeownership begins here!
1 – APR = Annual Percentage Rate. Rates are current as of 12/12/2024 and are subject to change.
2 – See Federal Housing Finance Agency (FHFA) limits for more details pertaining to conforming limits by region.
3 – Fixed Rate Loans: The rates shown are for owner-occupied, detached single-family home purchases and no-cash-out refinance mortgage loans that meet the following conditions: Borrower with excellent credit, Loan-to-Value (LTV) ratio of up to 60%, Loan amount of $400,000. Important Note: Loans with an LTV higher than 60% or loans with other specific conditions, including but not limited to credit score, loan amount, property type, loan type, occupancy type, attached condos, 2-4 unit properties, and cash-out refinances may result in a rate pricing adjustment. This could lead to a higher interest rate and/or APR. Additionally, loans with an LTV above 80% will require Private Mortgage Insurance (PMI), which will increase both the APR and the monthly payment. Please note that estimated payment examples provided do not include PMI, taxes, or insurance. The final interest rate for your loan will depend on a variety of factors, including current financial market conditions, the specific details of the loan transaction, and your credit profile.
5 – 15-Year Fixed Mortgage: Fixed payments for 180 monthly payments. Rate as low as 6.000% for conforming balances, and zero points charged to the borrower(s). Payment per $100,000 is equal to $843.86 and does not include amounts for taxes and insurance premiums. Your actual payment may be higher.
6 – 30-Year Fixed Mortgage: Fixed payments for 360 monthly payments. Rate as low as 6.500% for conforming balances, and zero points charged to the borrower(s). Payment per $100,000 is equal to $632.07 and do not include amounts for taxes and insurance premiums. Your actual payment may be higher.
7 – Adjustable Rate Loans: The rates shown are available for owner-occupied home purchases and no-cash-out refinance mortgage loans with a maximum 70% Loan to Value (LTV) ratio. If your LTV exceeds 70%, or if you are seeking a cash-out refinance, the rate and/or APR may be subject to an adjustment, which could result in a higher interest rate and/or APR. ARMs are Adjustable Rate Mortgages, meaning that the interest rate and APR may change after the loan is finalized according to the term chosen and the established adjustment floor and ceiling. Loans with amounts exceeding $1,500,000.01 may incur an additional charge. Rates are determined by a set Margin plus an Index. Our adjustable-rate loans use the weekly average of the 1-year Constant Maturity Treasury (CMT). Rates may increase after consummation. The rates shown are subject to specific conditions, which depend on several factors including financial market conditions, the details of the loan transaction, and the applicant’s credit profile. For loans with an LTV greater than 80%, Private Mortgage Insurance (PMI) will be required, which will increase the APR and your monthly payment. Please note: the estimated payment examples provided do not include PMI, taxes, or insurance. All rates and terms are subject to change at any time without prior notice. Important Note: Your Principal & Interest (P&I) payment is subject to change at the 1st and subsequent interest rate adjustments.
8 – 5/1 Adjustable-Rate Mortgage (ARM): Initial rate fixed for 60 monthly payments of the 360-month amortization, then adjusts annually. Rates may increase after consummation. Rate as low as 5.875% for conforming balances, and zero points charged to the borrower(s). Payment per $100,000 is equal to $591.54 and does not include amounts for taxes and insurance premiums. Your actual payment may be higher.
9 – 7/1 Adjustable-Rate Mortgage (ARM): Initial rate fixed for 84 monthly payments of the 360-month amortization then adjusts annually. Rates may increase after consummation. Rate as low as 6.500% for conforming balances, and zero points charged to the borrower(s). Payment per $100,000 is equal to $632.07 and does not include amounts for taxes and insurance premiums. Your actual payment may be higher.
10 – 10/1 Adjustable-Rate Mortgage (ARM): Initial rate fixed for 120 monthly payments of the 360-month amortization, then adjusts annually. Rates may increase after consummation. Rate as low as 6.750% for conforming balances, and zero points charged to the borrower(s). Payment per $100,000 is equal to $648.60 and does not include amounts for taxes and insurance premiums. Your actual payment may be higher.
11 – All rates are based on good credit, fully documented income, with escrow impounds and a 25% down payment, except for FHA/VA and Jumbo Non-Conforming loans. These rates provided are for informational purposes only. No APR or closing costs are disclosed. See Federal Housing Finance Agency (FHFA) limits for more details.
12 – For more details about these and other mortgage loan programs, please contact a Real Estate Loan Specialist at (661) 284-1150.
American Pacific Mtg Corp dba American Family Funding NMLS# 1850. Equal housing lending. Fernando Gauna CA DRE #100009575 | NMLS# 243454