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Simple. Fast. Affordable.
Buying or refinancing a home should be exciting, not overwhelming.
Our streamlined online mortgage process makes it easy to apply in minutes, track your loan progress, and complete much of the process from the comfort of your home. Along the way, experienced Mortgage Advisors are available to answer questions and provide personalized guidance.
Why Choose ACCU Mortgage Services?
- Competitive mortgage rates
- Flexible loan terms to fit your budget and lifestyle
- Low down payment options available
- Fixed-rate and adjustable-rate mortgage programs
- Personalized solutions for first-time buyers, growing families, and retirees
- Convenient online application and loan management
Connect With a Mortgage Advisor
Have questions? Our mortgage team is ready to help.
Whether you’re just starting to explore your options or you’re ready to apply, we’ll provide expert guidance and personalized recommendations without any obligation. Contact us today to learn more about your mortgage options.
Mortgage Solutions for Every Stage of Life
The ACCU Difference
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.
Frequently Asked Questions
What’s the difference between a fixed-rate and adjustable-rate mortgage?
- A fixed-rate mortgage maintains the same interest rate throughout the life of the loan, providing predictable monthly principal and interest payments.
- An adjustable-rate mortgage (ARM) offers a fixed rate for an initial period, after which the rate may adjust based on market conditions. ARMs can be a good option for borrowers who plan to move or refinance before the adjustment period ends.
What is a mortgage pre-approval?
A pre-approval is a lender’s estimate of how much you may qualify to borrow for a home purchase. Having a pre-approval letter helps demonstrate to sellers and real estate professionals that you’re a serious, qualified buyer. A pre-approval does not constitute a final credit approval. It is based on the information provided as of the date of issuance and is subject to verification, credit review, underwriting requirements, and any additional information received before closing or funding.
What are closing costs?
Closing Costs are the fees and expenses associated with obtaining a home loan (purchase or refinance). These costs typically range from 2% to 6% of the loan amount and may include lender fees, title services, escrow fees, taxes, insurance, and other required charges. As part of the loan process, you will receive a Loan Estimate that provides a detailed summary of the estimated costs and fees associated with your loan before you are asked to commit to the loan. Actual closing costs may vary based on the final loan terms, property information, and other factors determined during the underwriting process.
How much down payment is required?
Down payment requirements vary by loan type. ACCU offers loan programs with low down payment options. A Mortgage Advisor can help determine which programs may be available based on your situation.
How long does it take to get pre-approved?
Pre-qualification can often be completed the same day, while formal pre-approvals are typically issued within a short timeframe once the necessary financial information has been received.
Can I complete the mortgage process online?
Yes. Much of the mortgage process can be completed online from your computer or mobile device. Our team is also available by phone and email to provide support whenever you need it.