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Mortgages

Affinity Mortgages

Great rates without fat cat banker tricks, hidden fees, or surprises.

Fight Back Against the Fat Cats

Have you ever thought the mortgage deals offered by fat cat banks sound too good to be true? They probably are. With hidden fees and other tricks, you'll end up paying more than you should. At Affinity, we'll provide guidance to help you find the best mortgage for your needs - without the surprises.

The Right Mortgage to Meet Your Needs

Whether you are buying a home or looking to refinance, Affinity offers competitive rates on many types of mortgages in all 50 states.

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Fixed-Rate Mortgages

  • Predictable payments
  • Terms from 10 to 30 years
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Adjustable-Rate Mortgages

  • Lower initial interest rates
  • Terms up to 30 years
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Jumbo Mortgages

  • Available for loans above $424,100 and up to $3,000,000
  • Fixed and adjustable rate terms
  • Savings on closing costs
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High Balance Mortgages

  • Available for loans above $424,100 and up to $625,5001.
  • Fixed-rate terms
  • Savings on closing costs
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Your Way Home

Programs that provide assistance to qualified low- and moderate-income borrowers. With down payments as low as 3%.

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Real Estate Rebates

Use a real estate agent in the Real Estate Rebate network to buy or sell your home and receive a rebate of up to $3,100!2

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Mortgage product information in effect as of 2.16.2015 and subject to change without notice.

1 Annual Percentage Rate (APR) subject to change without notice. Rate is available to qualified loans applied for by 12.31.2016 and closed by 2.28.2017. Stated rate is for the initial fixed period of 7 years. Subsequent interest rates for each variable period will be based on the LIBOR index, as published in the Wall Street Journal, plus our margin rounded to the nearest one‐eighth of one percent (0.125%), unless calculated interest rate exceeds the set cap for the amount of change in the interest rate; currently, the fully indexed rate is 2.875%. Initial rate, APR and fees can vary depending on the size of the loan and the personal qualifications of individual members. Payments and APRs quoted are for a purchase/refinance loan amount of $200,000 on an owner-occupied single family property, with no cash out at closing, 20% down payment, 0 points, and a credit score of 740. Down-payment of less than 20% requires mortgage insurance. Property and flood insurance where required. 7/1/30 ARM has 84 fixed payments of $829.78 not including taxes and insurance (actual payments may be higher). Escrow account for the payment of taxes and insurance will be established.

2  Maximum loan amount for a single-family, owner occupied property in a high-cost county as designated by the Federal Housing Finance Agency (FHFA). To check the loan limits for high cost counties, click here.

3 Complimentary Real Estate Rebate program is provided by Cartus, which is not affiliated with Affinity Federal Credit Union, its subsidiaries or affiliates, where permitted by state law.