AFCU provides financing for members who purchase or refinance their primary residence. These Conforming First Mortgage Loans are for single family residences, condos, along with two, three and four units provided the member will occupy the property at closing, or occupies it currently and will continue to occupy it after the loan closes. Loans to buy or refinance a member’s retirement home (not a rental property) are also available under this program.

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Features of Conforming First Mortgage Loans:

• Borrow from $75,000 on Conforming and Super Conforming qualified properties*
• Mortgage Lending in ALL 50 United States and the District of Columbia*
• Owner Occupied Properties up to 2 Units
• Second Homes or Vacation Homes (non-rental properties)
• 30 and 15 Year, Fixed Rate, Fully Amortized
• $699.00 Processing Fee**
• No Rate Lock Fee
• Maximum Combined Loan to Value Ratio (CLTV) up to 95%***
• Total Debt to Income Ratio’s up to 50%
• Optional impounds for Taxes and Insurance
• Maximum Conforming Loan Amounts*:
  1 unit: $766,550
  2 units: $981,500
• Maximum Super Conforming Loan Amounts*:
  1 unit: $1,149,825
  2 units: $1,472,250

Adjustable Rate First Mortgage (ARM) Loans available. Call for details.

Apply Now Check Rates

To speak with a knowledgeable mortgage team member, call 800-795-2325, option 7

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* Mortgage lending in all 50 United States and District of Columbia (and Puerto Rico, Guam, and the U.S. Virgin Islands). Actual loan limits for certain high-cost areas, as determined by FHFA, may be lower than the maximum high-cost area limits identified above. If you are considering applying for a super conforming mortgage, it is important you check the loan limits for the specific county where the property is located. The 2022 loan limits for high-cost areas are available at www.fhfa.gov. Contact an AFCU Mortgage team member for loan limits for high cost areas, or Super Conforming Loan Amounts at 800-795-2325 option 7.

** Fees not including third party fees. Additional pricing fees may be required based on property, income, loan amount, credit qualification and other contributing factors.

***Private Mortgage Insurance required for CLTV exceeding 80%.

Full appraisal required. Subject to full documentation of assets and income. Quoted rates and terms are subject to change without notice.