Let’s Get You Home.
Buying or building a home is a big step. We’re here to help you find the loan that works for your plans and your budget. Whether you’re ready for your first home, planning a renovation, looking for more space, or thinking about land or new construction, our local lending team can help you understand your options and guide you to the next step.
Local lending decisions
Get answers faster from people who know your community.
Flexible loan options
Choose a loan that fits your budget, timeline, and goals.
Guidance from start to finish
We’ll walk you through the process, so you know what to expect.
Competitive rates
Keep more money in your pocket over the life of your loan.
Helpful planning tools
Explore calculators to estimate payments and plan with confidence.
If you’re buying for the first time, or just want to learn more, we have helpful tools to guide you.
These resources can help you explore what to expect before you begin. You can apply online anytime, or reach out to a mortgage professional at: 1-800-404-6008, or send an email to realestate@atfcu.com.
Found the place you love? We’ll help you explore mortgage options and choose a loan that fits your plans and budget.
Good for:
Buying a first home, upgrading, relocating, or purchasing an investment property
Highlights:
Refinancing lets you reassess your mortgage as your needs change, potentially freeing up cash, adjusting how long you’ll pay on your loan, or helping you use your home’s equity more strategically.
Good for: Reducing monthly payments, shortening or extending your loan term, funding home improvements, or simplifying higher-interest debt
Highlights:
Borrow a set amount at a fixed rate. For planned projects, major purchases, or debt consolidation, a fixed-rate home equity loan gives you predictable monthly payments.
Good for:
Home upgrades, one-time expenses, medical bills, tuition, or consolidating debt
Highlights:
Access money when you need it. A HELOC gives you flexible access to your home’s equity, allowing you to borrow only what you need, when you need it, as your expenses come up.
Good for:
Projects completed over time, education and tuition planning, covering unexpected expenses, or managing cash flow for larger purchases
Highlights:
Build the home you’ve always wanted. A construction loan provides financing in stages as your project progresses, helping you manage costs and payments throughout the building process.
Good for:
Ground-up home construction, custom home builds, major rebuilds or tear-downs
Purchase land to use today or in the future. A land loan helps you secure property now, whether you plan to build later, hold it as an investment, or use it for personal enjoyment.
Good for:
Future home or cabin builds, recreational or seasonal property, long-term land investment
Highlights:
1. Up to 100% LTV with Home Equity Protection Program. Higher rates may apply. Subject to approval.
2. Up to 90% LTV with Home Equity Protection Program. Higher rates may apply. Subject to approval.
* Minimum loan amount for 15 year term is $50,000. 75% LTV.
Start your loan application online, or stop by a branch near you.
