With great mortgage rates, an online application and an expert team, we’ll take care of the heavy lifting.
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Get prequalified now! No application fee. Mortgage financing available nationwide.50
Loan products: Conventional, FHA, VA, jumbo, medical professional.
Choose from fixed-rate and adjustable-rate mortgages (ARMs) with a variety of terms and down payment options, including low and no down payment.50
Get your customized rate.
Questions? Or ready to buy and under contract? Connect with an Alliant mortgage loan officer of your choice or call 800-365-7003.
You can also email us and a loan officer will get back to you in one business day. Include your contact info and what type of mortgage you’re interested in.
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.
Find out how much home fits into your budget—or how much you save by refinancing—with our custom rate tool.
Prequalification gives you buying power while you’re house hunting and when it’s time to put in an offer.
Lock-in rates for up to 90 days (purchase/refinance); up to 365 days (construction loans). No application fee!
Access your mortgage digitally and effortlessly make payments on our award-winning mobile and online banking.
Alliant won’t penalize you for paying off your loan faster than your payment schedule. (It’s a great way to save on interest in the long run.)
Alliant can reward its members with low mortgage rates and fewer fees because we’re 100% digital and not-for-profit.
Once you’re ready to start the home buying or refinancing process, complete the online mortgage application. You can also contact the mortgage loan officer of your choice and apply with him or her.
You’ll receive a call from a knowledgeable Alliant mortgage loan officer who will advise you on the best mortgage loan options for your specific needs. They will issue you a purchase prequalification or walk you through next steps for a refinance.
Your loan officer and our in-house team will guide you through the entire mortgage process and answer your questions until you’re handed the keys to your new home or successfully refinanced your current residence.
Contact an Alliant mortgage loan officer of your choice with questions about our online mortgage application or how to get prequalified, 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.
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?
You’ll need to provide basic information about your income, assets, monthly expenses and any other properties you own. Before you fill out your online Alliant mortgage application, be sure to temporarily lift any credit freezes you have in place.
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.
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:
You are leaving Alliant’s website to enter a website hosted by an organization separate from Alliant Credit Union. The products and services on this website are being offered through LPL Financial or its affiliates, which are separate entities from, and not affiliates of, Alliant Credit Union.The privacy and security policies of the site may differ from those of Alliant Credit Union.
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.
