Earn 1.60% APY on your money with an Alliant High-Rate Savings Account.
Get upfront pricing, guaranteed savings, and a discounted rate on your auto loan. Members save an average of $3,383 off MSRP.
Earn top dollar with rates up to 2.70%APY.
Earn rewards, get cash back or take advantage of a low standard variable rate.
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.
Purchase rates shown above. Rates can vary based on individual loan characteristics. Get a custom quote.
Our Alliant Home Rewards program pairs you with a local real estate agent and a mortgage loan officer who will guide you through the entire home buying process. And we can help you sell your current home too!
Plus, within 45 days of your closing, we’ll give you a cash back rebate of up to $6,500 when you buy or sell, and up to $13,000 if you buy and sell through the program!88
In select cities, Alliant Home Rewards can even provide online tools to help you learn about the local market and find prospective homes.
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.
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Subscribe to Rate Watch to get notified when a rate hits your target. Sit back and let the savings come to you!
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)
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
Fixed-rate loans provide peace-of-mind from knowing your rate is locked in for your entire 15- or 30-year term – your monthly payment won’t change. Adjustable-rate mortgages (ARM) have lower payments in the beginning so you can take care of other necessary expenses, like furniture for your new home.
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, so choosing a 30-year loan but making larger-than-scheduled payments could be a good compromise option.
With an adjustable-rate mortgage (ARM), monthly payments can change after a specific amount of time, according to your loan structure. However, Alliant ARMs have a cap to prevent a drastic payment increase. Talk with an Alliant home loan specialist to make sure you understand how your payment can change over time.
Yes. 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.
Want to know more about this product? Search our friendly help guide!
I was dreading a complicated process but working with Chris K. made the whole experience run smoothly. Chris made me feel comfortable about asking questions and anytime I contacted him, he always replied quickly and explained the whole process to me in terms that I could understand. After my closing, there was some confusion at Alliant regarding my Escrows but once I called Chris about it, he resolved the matter rapidly.
I had other options when choosing a mortgage and I'm glad I went with Alliant because I got a good rate and reasonable mortgage. In the future, I would definitely recommend them to friends or family and I would definitely use them again for a Refi or other mortgage needs.
Tom K., who was my loan officer was very helpful and prompt in his response. He was always there any time I had any questions. He went above and beyond to make sure everything worked out and was done in time. Thank you very much Tom.
The other people who were frcilitating the loan documents changed thrice on me. Apart from this change Alliant did a great job right from start to end.
Team provided updates along the process so I always knew where we were. Loan officer was very knowledgeable and willing to take the time to evaluate the best option for me. Interest rate was among the lowest I was offered at competitors however the exceptional customer service makes this a clear choice for return business.
Did we get our mortgage? Yes. Did you give us what we wanted? Yes.
But there's more to it. For us to be truly delighted, you need to be more responsive, more accountable, and do things WHEN you say you going to do them. When you asked for documents, I would immediately stop whatever I was doing and deliver... often within minutes. But when I asked for a return call, or asked for status, it would sometimes take days for a response.
Customer service is about answering questions. And we all know, sometimes the answer is "no". But to not respond is simply unacceptable. As I said to one of your Pipeline Specialist, "I am being held hostage. I am literally sitting here, staring at the phone and waiting for it to ring". Even the phrase "I will return all calls by the end of the business day" is unreasonable. The best customer service representatives understand that when a client has a question, they want an answer NOW, even if that answer is, "I don't know anything yet, but I expect to hear at this time tomorrow." If tomorrow comes and there is still no answer, it still demands a phone call for update.
That is how you delight customers, even if the news is bad.
I did my refinance with Alliant after my divorce. Mike H. & Sharda K. were so wonderful to work with. They explained everything to me & walked me through the process. I closed sooner than expected with very few "headaches". I would recommend Alliant to anyone looking for a new mortgage or refinance.
I was a first time home buyer and Alliant guided me through the process every step of the way. We were able to close earlier than planned!
- Great programs for first time home buyers
- Responsive and helpful people from the pre-approval, to the loan officer and closer
- Committed to meeting the timeline
- Very patient with many questions
- Document management software (DocuSign)- not very use friendly, slightly confusing, and time consuming with alot of back and forth.
- Some steps could have been explained better, but I was a very anxious and nervous homebuyer!
Thanks for all of the help Alliant!
Chris and team stayed with it throughout a difficult process to get to close on a short sale. Chris and I had worked together previously, but this time Alliant really got tested. In the end, the close went smoothly and we got the property we wanted at the price we could afford, in large part thanks to Chris's support and that of the team at Alliant. Thank you!
Chris is by far the best I've worked with at Alliant---He is available, thorough and follows up with everything in a timely manner. for this particular home mortgage I had major challenges with Michael B. from the loan fulfillment dept and without Chris' assistance I am pretty confident we would not have completed the process in time to meet the closing deadline. Chris was calm, patient and assured I was confident that all would be taken care of. thanks so much Chris for your great support.
Great experience . Its my pleasure to work with Mike and his team. Highly recommend this CU to anyone looking for a mortgage.
Nick and the other people I worked with were the best. I've done many loans and refi's. , they were the best of all time.
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