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HOME MORTGAGE LOANS

Your Alabama Homeownership Starts Here 

Unleash the possibilities of homeownership with a mortgage loan from Alabama Central Credit Union, your trusted partner in building a brighter financial future. We offer a variety of options to fit your needs, whether you’re a first-time buyer, looking to refinance, or expanding your real estate portfolio. 

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  • Competitive Rates: Enjoy rates as low as 6.75% and a wide range of terms to find the perfect fit for your budget.
  • Flexible Options: Choose from a variety of financing programs, including fixed-rate mortgages for predictable payments and ARMs for more flexibility.
  • Local Expertise: Our knowledgeable loan officers understand the Alabama real estate market and can guide you every step of the way.
  • Confidence and Control: Get pre-approved for free to strengthen your offer and move forward with certainty.
  • Streamlined Process: Benefit from quick local decision-making and efficient processing to get into your dream home faster.

  • Simple and Straightforward: We handle everything in-house, so you don't have to navigate complicated external guidelines.
  • Personalized Approach: We use common-sense underwriting with real loan officers, not automated systems, ensuring a personalized experience.
  • Competitive Rates & Flexible Options: We can often close loans without requiring costly private mortgage insurance (PMI) and offer competitive rates tailored to your situation.
  • Condo Approval Flexibility: We evaluate condos on a case-by-case basis, not relying on a restrictive "approved" list.
  • Down Payment Solutions: We can work with you on down payment options.
  • Unlock Your Home's Equity: In addition to mortgages, we offer Home Equity Loans to finance your home improvement dreams, debt consolidation, unexpected expenses, and more.

Start the process today. Email our mortgage manager now.