Alliant Credit Union Mortgage Rates

Our quick, affordable personal loans can provide you with the cash you need with a loan that is tailored to your situation if you need a loan right away.

What Types of Mortgage Loans Does Alliant Offer?

Conventional mortgages, including fixed- and adjustable-rate loans, are offered by Alliant Credit Union. The credit union does not provide loans through USDA, VA, or FHA. But the Alliant Advantage Mortgage program offers first-time homebuyers a 0% down payment option and a 0% down payment option without private mortgage insurance. Non-first-time buyers who meet the requirements can avoid private mortgage insurance with a down payment of just 5%.

Alliant Credit Union offers:

  • Conventional mortgages.
  • Mortgage refinancing loans.
  • Mortgages with no down payment.
  • ARM loans.
  • First-time homebuyer program.
  • How Does an Alliant Credit Union Mortgage Work?

    On Alliants’ website, you can start the preapproval procedure, or you can pick a loan officer from a list and call them. Once you locate a home to buy, you will finish the mortgage application and get in touch with your home loan officer to complete the transaction. Before the mortgage is finalized, if you are not a member of Alliant Credit Union, you must become one. Anyone can become a member.

    What Are Alliant Credit Union Mortgage’s Terms, Fees and Conditions?

    For as little as 2, borrowers can lock in a fixed rate for 15, 20, or 30 years. 875%. Adjustable rate mortgages start at 2. 25% and include 3/6, 5/6, 7/6 and 10/6 terms. If you pay off your loan early with Alliant Credit Union, there are no prepayment penalties.

    What Discounts Does Alliant Credit Union  Offer?

    On its website, Alliant Credit Union doesn’t mention autopay or any other special offers.

    How Can You Qualify?

    A minimum credit score of 620 and a debt-to-income ratio of 50% or less are required by Alliant Credit Union. On the website, prospective borrowers can begin the preapproval process to determine their eligibility and potential rates.

    What Credit Score Do You Need?

    To be eligible for a mortgage with Alliant Credit Union, you must have a minimum FICO credit score of 620 and a debt-to-income ratio that is no higher than 50%.

    Where Does The Lender Operate?

    Mortgage products are available in all U.S. states through Alliant Credit Union, a financial institution that operates online. S. states, with exceptions. For instance, certain ARMs are available in Maryland but fixed-rate mortgages are not. There are home equity lines of credit in 25 states and Washington, D.C. C.

    Is the Lender Reputable?

    The Better Business Bureau has given Alliant Credit Union an A+ rating, and it is BBB-accredited. Alliant Credit Union was the subject of 15 complaints to the Consumer Financial Protection Bureau in 2021, and each complaint was promptly addressed.

    In U. S. News ratings of mortgage lenders, Alliant Credit Union received 4. 1 out of 5 stars overall, 3. 9 for affordability, 4. 0 for eligibility and 4. 4 for customer service. The median overall rating for personal loan lenders by U. S. News is 4. 2.

    How Is Alliant’s Customer Service?

    Reach Alliant customer service by calling 800-365-7003 from 8 a. m. to 6 p. m. Central Time Monday through Friday and 8 a. m. to 2 p. m. CT on Saturday. You may also email mortgages@alliantcreditunion. com for assistance.

    What Are Some of Alliant’s Online Features?

    Nearly all mortgage applications submitted by Alliant Credit Union can be finished online or with a mobile device. Throughout the loan approval process, the lender makes use of electronic signatures and online document uploading.

    Alliant Credit Union Mortgages Are Best for:

  • First-time homebuyers seeking a no-down-payment mortgage.
  • Homebuyers who want to avoid private mortgage insurance.
  • Homebuyers who want a completely online mortgage application process.
  • Alliant Credit Union Mortgage Review

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    Alliant Credit Union Mortgage Rates


    Does Alliant Credit Union sell mortgages?

    Alliant provides both fixed-rate and adjustable-rate mortgages (ARM), which come in a range of terms and down payment options.

    What is Alliant credit Unions interest rate?

    Alliant vs. Ally certificate comparisonsAlliant CertificateAnnual percentage yield (APY)4. 20% to 4. 50%Early withdrawal fees7-180-day interestTerms of CDsIRA CD, standard CDUpcoming stepsLearn more

    What credit score does Alliant Credit Union?

    A minimum credit score of 620 and a debt-to-income ratio of 50% or less are required by Alliant Credit Union. On the website, prospective borrowers can begin the preapproval process to determine their eligibility and potential rates.

    Is 2.25 A good mortgage interest rate?

    Whether or not you qualify for 2. 25%, rates are ridiculously low. The truth is that top-tier borrowers with excellent credit scores and 20% down payments almost always receive the lowest advertised rates. So a 2. 25% mortgage rate will be out of reach for many.