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Get upfront pricing, guaranteed savings, and a discounted rate on your auto loan. Members save an average of $3,106 off MSRP.
Earn 1.05% APY on your money with an Alliant High-Rate Savings Account.
The National Education Program is open to Alliant members between the ages of 5 and 17. Apply by Friday, August 18, 2017.
Don't be an anonymous loan number. At Alliant, we work with you personally and want to know your story. Whether purchasing or refinancing, we want to help you with your home ownership goals.
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Traditional mortgages sometimes create roadblocks to buying a home; they may want a large down payment or require private mortgage insurance (PMI) if you haven’t saved up 20% of your home’s value. But the Alliant Advantage Mortgage (AAM) program helps you overcome these common barriers to homeownership.
Alliant’s 0% down product for first-time homebuyers offers loan amounts up to $500,000, with no pricey PMI payments and a variety of term options available.
If you’re not a first-time homebuyer, you’re probably already sick and tired of paying PMI. When the milestone of reaching 20% home equity to end your PMI payments is still far off, Alliant’s AAM program can help. You can buy a new home with 5% down (or refinance with 5% equity) and eliminate PMI with AAM.
You shouldn’t have to worry about big fees when getting your new home. Alliant mortgages have a low, fixed origination fee and no escrow waiver fees.
Our rates are well below the market. Plus, you can finance up to 97% of your home's value.
Worried about rates rising while you’re closing on your home? Our free rate lock-in features gives you peace of mind.
120-day rate lock-in: Available on new construction/end loans
60-day rate lock-in: Available on all loans
Learn what happens at every step of the way – from application to closing – with our step-by-step mortgage process infographic.
View Full Process (PDF)
Subscribe to Rate Watch to get notified when a rate hits your target. Sit back and let the savings come to you!
Picking the right mortgage type for your home loan is a big decision - and we’re here to help. Please give us a call at 800-365-7003 to speak with an Alliant home loan specialist who can answer your questions and guide you towards the perfect loan.
Lock in a mortgage rate and payment for a period of either 15 or 30 years.
Lower initial rate subject to adjustments after fixed term.
15-year or 30-year50
Initial fixed term 3, 5, 7, or 10-year48,49
Let Me Know When Alliant Rates Gets Even Better
Each loan has specific advantages. For example, the fixed-rate loan provides you with the safety and security of knowing your rate is locked in for the entire term of your loan, and that your monthly payment won’t change. An adjustable-rate mortgage (ARM) usually has a lower payment amount in the beginning of the loan so that you can take care of other necessary expenses, like buying furniture for a new home. Talk to an Alliant home loan specialist to help determine which loan is right for you.
Like any loan, the most important requirement is that you can make the necessary payment without any financial hardship. The shorter the loan term, the less you will pay in interest over the long run, but the larger the monthly payment will be. Keep in mind that even with an Alliant 30-year Fixed-Rate Mortgage Loan, there are no penalties for paying ahead of your payment schedule.
With an adjustable-rate mortgage (ARM) loan, the monthly payment can change after a specific amount of time, according to your loan structure. Alliant ARM loans have a cap to prevent a drastic change on your loan payment. Talk with an Alliant home loan specialist to review the terms of your ARM loan and make sure you understand how your payment can change over time.
Absolutely. At Alliant, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.
Visit our Mortgage Resource Center for more information.
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Excellent service and product. Refinanced my primary and secondary into one loan. I highly recommend Alliant for mortgages and car loans.
Applying for a home loan has gotten more and more difficult over the years. It was important to me to have someone walking me through the process every step of the way which is what I got from Alliant. Tom K. was professional, personal and followed up on everything. This was the easiest home loan I have done in 20 years, a testament to the way Alliant is set up and the team they have working for them.
Mortgage Loan Officer Tom K. was not only efficient, but informational. I was refinancing to omit PMI with previous loan. I wanted a 30 year note. Tom queried me and after discussing my pending retirement date, decided on an ARM. I appreciated his insight.
Only con I have is the appraiser. He had noted I had added a 3rd bedroom, however did not assign any value to it.
I initially consulted the Loan coordinator (Mike M.) and after a few days no reply, I contacted the appraiser directly, but again no response. Finally after a week or so the appraiser told Mike that the additional bedroom did not change the market value. (?) Apparently a waste of my money. I contacted an independent appraiser and he disagreed with the assessment. I realize the appraiser is not a direct employee of Alliant, however I suggest those seeking a loan find an independent appraiser.
Tom was great to work with and kept us Informed through the entire process. The same with the other teams..
Tom and team did a great job keeping me up to date on the process. Alliant's process was smooth and I was able to use docusign to handle signing transactions online. The underwriting process was overly rigorous, in my opinion, requiring a couple different home inspection visits for the appraisal. I can understand this may be due to federal guidelines, though.
Tom was great to work with. I had everything in place and other offers on the house did not. So I got it. Thanks to the Credit Union for making this process go smoothly.
First time I've ever talked to a lender who wasn't really interested in talking with me about a mortgage. His answer was "go online and apply" even though I was just asking about rates and fees. Sounded like he wanted to get off the phone with me as soon as possible. Going somewhere else who wants my business.
I called Tom with Alliant out of the blue, as my ARM was coming up in the next 12 months. He made the process incredibly easy. All documents outside of closing were signed using docusign, which made our lives easier since my wife and I work in different states. It kept the process moving smoothly.
When we had questions, Tom was always immediately available to answer them. We couldn't have been more pleasantly suprised with the process, the incredible customer service, and the terms we received. I highly highly recommend Alliant.
My mortgage loan officer was helpful and answered all my questions, but overall , the process was painful.
My biggest issue was with my paperwork being passed along with no timeline and multiple communications from different sources.. Third party involvement and conflicting responses to questions. The rate was competitive, but I was two weeks into the process when I seriously considered dropping Alliant and starting a new application elsewhere.
In the end, I got my loan, but was not impressed.
We are so happy that Nick S. and his team made our dreams come true! They worked relentlessly to help us get a loan for our new home and we appreciate them more then they know! We want to thank them for their patience and support during the entire loan process. If anyone else has an opportunity to work with them, they will certainly be in good hands. THANK YOU!
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