Mortgage
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FREQUENTLY ASKED MORTGAGE QUESTIONS
How do I apply for a mortgage?
You can apply online without being a member. When your loan is approved, you’ll need to join Affinity before closing.
Applying for a mortgage on a 1-4 Family investment property
Does Affinity offer jumbo and high-balance mortgages?
Yes! Affinity offers jumbo mortgages for loans above $726,200 and high—balance mortgages for loans above $1,089,300.
Can I get a mortgage through Affinity if I do not live in the tri-state area?
Yes! Affinity offers mortgages in all 50 states. So, whether you are looking for a new home near or far, we have you covered.
What is the difference between a credit union and a bank?
Credit unions, unlike banks, are based on a cooperative or “co-op” model in which the customers (or, as we call them, “members”) are also the owners. This is the biggest difference between credit unions and banks. While a bank is a for-profit company that distributes profits among shareholders or individual owners, a credit union is a not-for-profit institution “owned” by its members. Therefore, you can think of credit union membership as buying a stake in an organization rather than paying somebody else in exchange for services.
