With low mortgage rates, we make it easy to find your best-fit home loan.

Buying a home is a big deal but securing a mortgage shouldn’t be. It’s about finding the right fit for you so your future can be as fixed or adjustable as you’d like it to be.

  • Fixed Rate Mortgage

    If you want the highest degree of stability with monthly payments that never change.

    apply now

  • Adjustable Rate Mortgage (ARM)

    If you’d rather lock in a lower rate for 1-, 3-, 5-, 7- or 10-year term or the length of time you’ll probably live in your home instead of a single, unchanging rate.

    • No prepayment penalties
    • No escrow so you can earn dividends on your savings
    • Finance up to $1 million
    • Automatic transfers from checking or savings
    • Adjustable rate jumbo loans
    • 24/7 online access to your accounts
    • Competitive rates – check 'em out

    apply now

Buy and sell with the HomeAdvantage® Program

We may not be able to physically carry you over the threshold of your new home, but our HomeAdvantage Program is designed to do darn near everything else. In partnership with CU Realty Services, this program gives you all you need to buy and sell a home. It's everything and the kitchen sink. These real estate services let you:

  • Earn Cash Rewards to reduce closing costs or receive cash back after closing.* On average, Andigo members earn $1,800 in Cash Rewards
  • Search MLS listings to find your next home or view competitive properties
  • Learn the current market value of your home
  • Connect with licensed real estate agents from top local brokerages, all of whom we’ve personally given the thumbs up
  • Review info on neighborhood crime rates, schools, economic indicators, recent property valuations and more

Our exclusive, first-time home buyer program: 5% down payment, no private mortgage insurance required

Our 5/5 ARM will let you add a little wiggle room to your living space and your wallet

Product Rate APR**
5/5 ARM



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States included in the CU Realty Services program are AZ, CA, CO, DC, DE, FL, GA, IL, IN, MA, MD, ME, MI, MN, NC, NM, OH, PA, TX, VA, WI and WV. New states and real estate agents are continuously being added to the program. If you do not see the state you’re interested in, contact CU Realty at 800.203.9014. NMLS ID 411839

* Options on cash incentive may be limited depending on which state you reside in. Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.

** APR=Annual Percentage Rate. Rates shown are effective as of 11/15/2018 and are subject to change without notice. The 5/5 ARM adjusts every 5 years after the initial 5-year fixed rate period for a 30-year term and has an adjustment cap of 2%, with a lifetime adjustment cap of 6% above the initial rate. Your rate will never fall below 2.75% (the floor rate). Monthly mortgage payment for the 5/5 ARM with a $175,000 loan amount and 4.125% interest rate would be $848.14, plus property taxes and insurance. The 5/5 ARM with a 5% down payment is available for loan amounts up to $500,000 for first time homebuyers and condo’s or $1,000,000 on all others transactions. Property must be a primary residence (condo, PUD or single family). Applicants and property must meet Fannie Mae requirements. This offer is available for a limited time and can be discontinued without notice. Other restrictions may apply.

Questions about mortgages, home loan rates or online application? Let's chat!