• Facebook
  • Twitter
  • Blog
  • YouTube
  • Google Maps
  • Search
header image

You know the signs of quality construction, but do you know the signs of a quality mortgage? At Allegacy, we don't try to push homebuyers into one-size-fits-all loans. Instead, we begin by looking at your overall financial "big picture" and understanding your goals for the future. Only then can we offer you a personal mortgage solution that fits your life and helps you achieve your goals. We offer competitive interest rates and lower originations fees than most lenders, which means our mortgages are easy to live with today and for many years to come.

Fixed Rate
Pay exactly the same amount every month for 15, 20, 25, or 30 years.

  • Fixed rate - 15, 20 and 30 year terms.
  • Up to 95% of appraised value of home.
  • Pre-qualification and pre-approvals are available.
  • Apply online or in person.

ARMs (Adjustable Rate Mortgages)
Opt for lower monthly payments that adjust after a set period of time.

  • Adjustable - 2/1 Amortized over 15 or 30 years.
  • Up to 90% of appraised value of home.
  • Pre-qualification and pre-approvals are available.
  • Apply online or in person.

Mortgage Eliminator Loan
Ideal for members with moderate to smaller mortgage loan balances who would like to obtain a lower rate and pay off their mortgage faster. It offers purchase or refinance for terms of 7, 8, 9 or 10 years.

  • Primary residence or vacation residence
  • Rate determined by creditworthiness
  • Apply for the Mortgage Eliminator Loan

FHA (Federal Housing Administration)
Become a homeowner with a lower down payment – great for first-time buyers.

  • Insured by the Federal Housing Administration.
  • Lower down payment and competitive rates.

FHA Streamlined Refinance
Refinance your FHA Loan to reduce your monthly payments.

  • Allows you to reduce your current loan rate quickly and typically without an appraisal
  • Saves you time and money with reduced paperwork requirements
  • To qualify, your loan must be an FHA loan in good standing and the process must lower your monthly principal and interest payments

VA (Veterans Administration)
Get up to 100% financing for active duty or retired service people.

  • Available on refinances and purchases.
  • Must be Veteran of the United States (active and retired).
  • Up to 100% financing.
  • Available for loan amounts up to $417,000.

Special Mortgage Programs
Explore a variety of other loans that are designed for specific purposes.

Meet our Mortgage Specialists
Get to know more about who we are and how we can help you.


First mortgages are available in CA, CT, DE, District of Columbia, FL, GA, IL, IN, MD, NJ, NY, NC, PA, SC, TX, VA, WV

Articles to Help You Decide:

© 2014 Allegacy Federal Credit Union
Allegacy is federally insured by the NCUA
Equal Housing Lender NCUA