Let’s Open the Door to Your New Home, Together.
Welcome to personalized service and flexible programs dedicated to getting you into your dream home.
View Rates
F&A offers exceptional rates and loan options for people in all of life’s stages.
From loans with lower down payments to loans with adjustable rates — our mortgage specialists are here to help you find the best solution for your needs.
Down Payment Minimizer Home Loan
From first-time homebuyers to seasoned homeowners, a large down payment is a dealbreaker for many buyers. That's why we offer solutions, such as our Down Payment Minimizer Home Loan.
- As low as 3.00% down{{mortgage}}
- No mortgage insurance
- A great option for first-time buyers
Fixed-Rate Mortgage
With terms ranging from 10 to 30 years, our rates are among the best in the country! In addition to great rates,{{mortgage}} working with F&A provides:
- A dedicated Loan Officer to guide you through the loan process
- Free prequalification
- Quick closing — from qualification to funding in 30 days{{mortgage_close}} or less
Adjustable-Rate Mortgage (ARM)
An adjustable-rate mortgage (ARM) can offer unique benefits to buyers in certain life stages and circumstances. An F&A ARM offers:
- Highly competitive rates{{mortgage}}
- Flexibility to refinance if rates decrease
- Potential for faster equity building
Refinance an Existing Loan
Our Loan Officers are here to help you assess the potential benefits of refinancing your current home loan, such as lowering your payment or taking cash out with your equity.
Simply fill out the form below, and one of our Mortgage Loan Officers will contact you within one business day. Or give us a call at (800) 222-1226.
Ready to Get Started?
Simply fill out the form below, and one of our Mortgage Loan Officers will contact you within one business day. Or give us a call at (800) 222-1226.
SAFE Act
Protecting borrowers, promoting trust through responsible mortgage lending. In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (commonly referred to as the SAFE Act), F&A Credit Union is registered for mortgage loan origination (MLO) with the Nationwide Mortgage Licensing System (NMLS) and Registry. Each of our Mortgage Loan Originators is registered with the NMLS.
Our NMLSR ID# is 421486.
Home Loan Inquiry Form
FAQs
Is there a fee charged or any other obligation if I complete the online application?
There is no fee or obligation.
What states are First Mortgage loans available in?
F&A can fund First Mortgage loans in all states where permitted.
What if I haven’t found the home I want to buy yet?
Complete our application and get preapproved for a loan now with no future obligation.
Excellence
Raising the bar in everything we do.
We embrace challenges and relentlessly pursue the best solutions for our members. At F&A, we're continually evolving to meet your financial needs, make banking more convenient, and provide expert guidance. Our commitment to excellence means you'll always receive the highest quality service tailored to help you achieve your financial dreams.
