Home Mortgage Loans

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Low Interest Rate Mortgages

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Low Down Payment Options

Buy a home with as little as 3% down
Work with Local Experts

Our Mortgage Specialists are there every step of the way

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We'll Help You Live Your Dream

Mortgage Options:

The Mortgage Specialists at Adventure Credit Union recognize that no two borrowers are the same. That’s why we offer the variety of mortgage programs listed below. Once you’ve completed our secure online application, our Mortgage Specialists will help you decide which mortgage program is best for your situation. Our streamlined mortgage process ensures that once you find a property, we can close quickly to get you into your dream home.

Mortgage Calculators

Fixed Rate Mortgage

Our conventional fixed rate mortgage is the go-to loan for well-qualified borrowers.

Available in 10, 15, 20, and 30-year terms
Low fixed rate; guaranteed for the life of the loan
Minimum down payment is 3%
20% down payment required to avoid PMI
Minimum credit score is 640

Adjustable Rate Mortgage

Our 5/6 ARM (adjustable rate mortgage) starts with an interest rate that is lower than a conventional fixed rate mortgage. This lower rate is guaranteed for the first 5-years, making it easier for you to qualify for and get established in your new home. After the 5th year, your mortgage interest rate will adjust (up or down) to the market rate every 6 months.

Low introductory rate guaranteed for 5-years
Available only as 30-year term
Minimum 20% down payment required
Minimum credit score is 680

Federal Housing Authority (FHA) Loans

Federal Housing Authority (FHA) loans are designed to help home buyers even if they have a lower credit score or lower level of income.

Interest rates are fixed
Available in 15 and 30-year terms
Minimum 3.5% down payment required
- Gift funds are allowed
Minimum credit score is 620

Veteran Affairs (VA) Loans

Veterans Affairs (VA) loans are exclusive for veterans, active-duty military personnel, reservists, or surviving spouses.

Interest rates are fixed
Available in 15 and 30-year terms
No down payment required
No monthly mortgage insurance
Minimum credit score is 600

Rural Development (USDA) Loans

Rural Development loans are designed to help home buyers purchase in eligible towns and rural areas. Contact us to see if the areas you're interested in are eligible for this program.

Fixed interest rates; generally lower than conventional mortgages
30-year term
No down payment required
Minimum credit score is 620