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No lender fees, expert guidance and mortgage solutions designed with your financial goals in mind.

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Save More With an Affinity Mortgage

We make getting a mortgage stress-free and affordable with personalized guidance, no lender fees and an array of mortgage loans built to achieve your unique financial goals.

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Zero Lender Fees

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Cash Rewards at Closing1

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Competitive Fixed and Adjustable Rates

Personalized Guidance & Advice

Personalized Guidance & Advice

Mortgage Loans for Your Dream Home

Whether you are a first— time homebuyer or an experienced homeowner, we have a variety of mortgage solutions and home-buying tools to meet your financial goals.

HomeAdvantage

HomeAdvantage

The one-stop resource for buying & selling a home that can save you thousands1. In fact, Affinity members enrolled with HomeAdvantage© have received nearly $400,000 since the start of our partnership in July 2017.

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First Time Homebuyer

First-Time Homebuyer Rebate

We know buying your first home is both an exciting and overwhelming experience. Not only will our Mortgage Loan Officers guide you step-by-step through the process, we’ll get you off on the right financial foot with a $500 bonus.2

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1-4 mortgages

1-4 Family Investment Property Mortgages

Whether you are ready to purchase a new investment property or refinance an existing one, we offer competitive mortgage solutions on 1-4 family investment properties for both individual owners and business entities.

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Talk To Us

Our mortgage loan officers are available to answer all your mortgage questions.

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Mortgage Resources

Attention Homebuyers! Three Common Mistakes and How to Avoid Them
Blog

Attention Homebuyers! Three Common Mistakes and How to Avoid Them

Knowledge truly is power, especially when it comes to buying a home. First time homebuyers in...
Thinking Of Buying a New Home? Start Here
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Thinking Of Buying a New Home? Start Here

For most Americans, buying a home is one of, if not the biggest financial decision they’ll be...
Is 100% Financing the Best Type of Mortgage Loan for Me?
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Is 100% Financing the Best Type of Mortgage Loan for Me?

At Affinity, we’re committed to providing the best and widest variety of options to meet your...
FAQs
What is a mortgage?

A mortgage is a type of loan that allows you, the borrower, to purchase a home without having to pay for the entire purchase price in cash. Mortgages typically have longer terms, such as 15, 20, and 30 years, but can be shorter depending on your financial goals. Similar to other loans you may have, you repay both the amount you borrow, plus interest.

What are today's mortgage rates?

View or compare our latest mortgage rates online or by contacting a Mortgage Loan Officer for a rate quote.

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.

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.

Affinity Federal Credit Union NMLS# 463935

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All home lending products are subject to program eligibility, collateral requirements, and credit review and approval. Program terms and conditions subject to change without notice.

1 The HomeAdvantage program is a feature available to members by third party provider, CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for the Cash Rewards if they use an agent outside this network. An Affinity Federal Credit Union mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Please allow up to 45 days after closing for a credit. Rewards can be paid in the form of a check at closing or as a credit to closing costs, depending on loan terms and conditions. Cash Rewards incentives are available as applicable by state law; however, are void where prohibited by law or by the lender. Please consult with your credit union representative for additional details of the program.

2 $500 cash bonus/reward offer is available to first−time home buyers only when you complete the required qualifying criteria. You are considered a first−time home buyer if you have never owned a home or if you have not been an owner in a primary residence for at least three years leading up to your purchase. To qualify you must 1) Open or already have an Affinity checking account and an Affinity savings account; and 2) Enroll in autopay for your mortgage payments to be automatically deducted from your Affinity checking account. This $500 bonus/reward cannot be used to pay any costs related to your Affinity mortgage loan and will be deposited account rates may vary, fees could reduce earnings. Affinity may issue you a form 1099−MISC, or other appropriate forms reporting the value of the cash reward/bonus. This offer is subject to termination at any time without notice.