You focus on the home, we’ll focus on the loan

With great mortgage rates, an online application and an expert team, we’ll take care of the heavy lifting.

Couple painting home
The Run Down
  • Loan Products: Conventional, FHA, VA, USDA, Jumbo, Doctor
  • Low and no-down-payment programs
  • Rate lock-ins: Up to 90 days (Purchase/Refinance); Up to 365 days (Construction Loans)
  • Mortgage financing available nationwide50
  • Mortgage Calculator: Estimate your monthly mortgage payment on your future home
  • No application fee

Types of mortgages Alliant offers

Choose from fixed-rate and adjustable-rate mortgages (ARM) with a variety of terms and down payment options.

Purchase

Traditional mortgage used to purchase a new home.

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Refinance

Lower your payment and/or take cash out.

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Construction Loans

One-time close options to build your dream home.

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Questions for a loan officer?

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

 

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Compare low mortgage rates

Fixed Rate Home Mortgage

Quick Summary

Lock in a mortgage rate and payment for a period of either 15, 20 or 30 years.

Max Term

15-year, 20-year or 30-year50

Consider If
  • You plan to stay in your home for 10 years or more
  • You prefer to have fixed, consistent payments
Rate Options
Term Rate APR
15-Yr. Fixed 6.000% 6.067%
20-Yr. Fixed 6.625% 6.679%
30-Yr. Fixed 6.875% 6.917%

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.

Quick Summary

Lower initial rate subject to adjustments after ARM fixed term.

Max Term

ARM initial fixed term 5, 7, or 10-year48,50

Consider If
  • You plan to move before 10 years
  • You prefer a lower monthly payment at the beginning of your loan​
Rate Options
Term Rate APR
5/6 ARM 6.500% 7.476%
7/6 ARM 6.625% 7.349%
10/6 ARM 6.750% 7.219%

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.

What to expect when applying for a mortgage

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.

Connect with your loan officer

You’ll receive a call from your knowledgeable Alliant mortgage loan officer to discuss your application (about 10 minutes).

Submit your application

Once you’re ready to buy and are under contract with a seller, complete the online mortgage application.

Get preapproved

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.

Become a home owner

Your loan officer will guide you through the entire process and answer your questions until you’re handed the keys to your new home.

We’re here to help

Get a custom rate quote

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.

Contact us / More resources

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.

Mortgage FAQs

What do I need to submit my online mortgage application?

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.

Can I pay off my loan quicker than the payment schedule?

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.

Will my payment on an adjustable-rate mortgage (ARM) go up dramatically after a certain time?

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.

What happens if ARM rates change during my home buying process?

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.

How can I find out about Alliant’s mortgage fees?

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. 

How do I choose between a 15-year term and a 30-year term fixed-rate mortgage?

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.

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