Bank like a financial pro with the Alliant mobile app. Make payments, deposit checks, manage cards and so much more.
Renovate your kitchen, pay off high-interest debt, or have access to emergency funds when you need it with an Alliant Home Equity Line of Credit.
Browse new and used vehicle inventory, and qualify for a rate discount when you buy!81
Separate each of your savings goals into an Alliant Supplemental Savings Account so you can visualize your progress.
With great mortgage rates, an online application and an expert team, we’ll take care of the heavy lifting.
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Choose from fixed-rate and adjustable-rate mortgages (ARM) with a variety of terms and down payment options.
Traditional mortgage used to purchase a new home.
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Lower your payment and/or take cash out.
One-time close options to build your dream home.
Get your customized rates
Contact an Alliant mortgage loan officer of your choice with questions about our online mortgage application or how to get preapproved, or if you're ready to buy and are under contract.
Connect with loan officer
Lock in a mortgage rate and payment for a period of either 15, 20 or 30 years.
Lower initial rate subject to adjustments after ARM fixed term.
15-year, 20-year or 30-year50
ARM initial fixed term 5, 7, or 10-year48
Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days.
Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 60 days. The annual percentage rate may be increased after consummation.
Alliant offers competitive low rates with a team of experts ready to lend a hand. Whether you already have a to-do list to tackle, or you just want the money available for when you do need it, we’re ready to help.
You’ll receive a call from your knowledgeable Alliant mortgage loan officer to discuss your application (about 10 minutes).
Once you’re ready to buy and are under contract with a seller, complete the online mortgage application.
Fill out the online preapproval application (it takes about 10-15 minutes). Preapproval gives you buying power while you’re house-hunting and when it’s time to put in an offer.
Your loan officer will guide you through the entire process and answer your questions until you’re handed the keys to your new home.
Find out how much home fits into your budget – or how much you could save by refinancing – with our simple custom rate tool, no strings attached.
Email us at [email protected]. Include your contact info, what type of mortgage you’re interested in (purchase, refinance, jumbo) and your specific questions. A loan officer will get back to you in 1-2 business days.
To learn more about mortgages and all stages of homeownership, check out our Money Mentor blog.
A guide to credit union home loans: What you need to know
Estimate my monthly mortgage payment
What factors can affect your ability to get a mortgage?
Before you fill out your online Alliant mortgage application, be sure to temporarily lift any credit freezes you have in place. You’ll also need to provide basic information about your income, assets, monthly expenses and any other properties you own.
Yes. At Alliant, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.
With an adjustable-rate mortgage (ARM), monthly payments can change after a specific amount of time, according to your loan structure. However, Alliant ARMs have a cap to prevent a drastic payment increase. Talk with an Alliant home loan specialist to make sure you understand how your payment can change over time.
Alliant offers float-down protection, should your ARM rate drop during the mortgage underwriting process. This ensures you get the best rate until right before closing on your new home.
Alliant does not charge an application fee or escrow waiver fee. Alliant discloses mortgages fees up front so you won’t be surprised on closing day.
The shorter the loan term, the less you will pay in interest over the long run, but the larger the monthly payment will be. Keep in mind that even with an Alliant 30-year Fixed-Rate Mortgage Loan, there are no penalties for paying ahead of your payment schedule, so choosing a 30-year loan but making larger-than-scheduled payments could be a good compromise option.
Yes, Alliant offers piggyback HELOCs. A piggyback HELOC may help prospective homebuyers better afford a home by taking out two loans at the same time—one for the mortgage itself and a secondary HELOC (home equity line of credit).
It offers the following benefits:
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You are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant Credit Union does not manage the operation or content of the website you are about to enter. Alliant Credit Union is not responsible for the content and does not provide any products or services at this third-party website. The privacy and security policies of the site may differ from those of Alliant Credit Union.
