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Don't be an anonymous loan number. At Alliant, we work with you personally and want to know your story. Whether financing or refinancing, we want to help you with your home ownership goals.
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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.
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60-day rate lock-in: Available on all loans
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
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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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Tom K. and Jennifer V. l could not have been nicer or more helpful. The application process was quick and straight forward. Alliant offered their mortgage at a competitive rate and much lower closing costs than any other source I looked at. This was my sixth purchase of a home and I had used Alliant's services several years ago. I must say that the underwriters did ask many questions that I believed were irrelevant to the process and my estate. Because of the asking of the same question repeatedly, after receiving my response, we missed the closing date. I will stipulate that federal regulation, with respect to Dodd-Frank, made this my toughest mortgage to secure at the most successful time of my life.
Now that I have vented against the Federal Government, I would like to say that I would recommend Alliant to my fellow employees for their banking, auto and mortgage needs.
I was able to refinance to a lower rate which saved me over $100 per month!! I closed with cash out, which was a nice Christmas bonus!!
I was able to close the my house on time even during holidays. Tom, and team were very helpful, and always available during closing duration. I highly recmend working with them for re-fi or new house loans.
I've been working with Alliant Credit Union since 2008 - first for the refinance of my home mortgage (originated by Compass Mortgage) and then a number of student loans as we were trying to figure out how to pay for college for our 4 daughters. My experience with ACU has been nothing but positive over the years and the level of service has been outstanding.
The loan that we got in 2008 was a 5/1 ARM and beginning in around 2013 - I made a call to the mortgage department at Alliant to see about whether it would make sense to refinance. It was at that point that I first spoke to Rob Jones. And over the next few years I continued to speak to Rob about the wisdom of refinancing. Of course, the interest rate environment was either moving lower or staying steady and so the best course of action for us was to pay extra principal each month and improve our LTV.
In May of this year, I once again called Rob and we discussed the possibility of refinancing our existing mortgage and getting cash out to pay off some student loan debt that carried a very high interest rate (around 8 %) and some other debt and wrap it all into our new mortgage. Rob worked with us every step of the way and we were thrilled to have this loan close on Thursday, 12/8. Now, having worked in the mortgage industry for 4+ years, I understand that there is sometimes a tendency for people who work in processing and underwriting to look at things as either black or white and to not think outside the box. And I think we may have run into some of this at ACU - but, Rob advocated for us and figured out a way to make certain adjustments that satisfied the ratio requirements and get this loan approved. In essence, Rob took an active and personal interest in getting this loan done - because it made sense and it was going to put us in a much better financial position going forward. Rob Jones shepherded our loan to a successful conclusion. I owe Rob Jones a great debt of gratitude and I wanted you to know what a great asset he is to ACU. In fact, if I were to play a word association game - when I think of ACU I immediately think of Rob Jones !
I greatly value the relationship that I have with ACU and I am very thankful for Rob Jones and the great job that he did on our behalf.
Keep up the good work.
This was our first time refinancing with Alliant Credit Union. The entire process was online, timely and painless. Tom answered all our questions promptly and directly. And the closing couldn't have been any easier. We would recommend Alliant Credit Union for your refinancing needs!
Refinanced my existing mortgage and HELOC and had a great experience working with Tom K. Tom was very responsive and on top of things on his end. If he didn't have the answer for me on hand he would take the time to research the issue and respond back to me. Thanks for the excellent customer service and I will continue to use Alliant for my primary banking and loan needs.
The only reason I'm giving 4 stars is because of the experience with the scheduling closing coordinator which I believe is a third party company. They were not as responsive and took several phone calls/emails to get responses at times.
This is our first home purchase and we never have any difficulty going through the process. Tom Kokoszka is great (five star to him) right from day one when i contacted him. He is quick in his replies and answered all my questions.
lending process was very smooth. I highly recommended Alliant for low mortgage rates and hassle free processing.
First time homebuyer here. Tom and team were extremely pleasant to work with and kept on top of things throughout the whole process, allowing me to close early. Beyond that, very few can compare to their affordable rates, which made this a slam dunk. Thanks!
Especially, Tom Kokoska (Brandwyn Anderson) & others were more than helpful
In aiding me to secure a new mortgage. I am so grateful. Betty Jinnette Williamson
Mike was not punctual about the status of loan. Every time i call him he said we are on track for closing date and just a day before when you call for confirmation that tomorrow is closing date , they said sorry but your closing has been delayed. Worst level of punctuality. The loan handling company called "loan fulfillment " is ridiculous in customer service. Jennifer from "Loan fulfillment" took it to the next level. she told me my title company have told them that there is other company who have also requested title from my side and the fact was i was only working with one lender which was ACU.
I think they are no longer interested to earn our business as mortgage rates are getting lower , worst lender i have ever dealt with , looking to refinance my loan soon!!
I bag everyone if you have time sensitive deal going on please do not . pleas do not go with this credit union.
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