Get free checking plus $20 back on out-of-network ATM fees monthly.
Earn rewards, get cash back or take advantage of a low standard variable rate.
Combining your student loans could get you a lower interest rate.
Alliant exists solely to serve our members, not stockholders.
Earn 1.16% APY on your money with an Alliant High-Rate Savings Account.
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. Get a custom quote.
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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.
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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.
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.
Want to know more about this product? Search our friendly help guide!
Tom was fantastic to work with. He was very helpful, knowledgeable and grounded. The customer service he provided along with the explanations in language I could understand was fantastic.
He turned documents and items for us on a dime. Very responsive and had his act together.
He even intervened when I had a few minor issues with the actual processing portion. Once he stepped in, it was all corrected.
I highly recommend both Tom & Alliant. They offer outstanding products and down-to-earth advice and hand-holding.
Christopher, Donna and Jennifer are the best. Our mortgage loan was handled in an easy straight forward process and one of them was ALWAYS available when a question or concern arose. This is at very least our third mortgage through Alliant and we go back to the days when Alliant was the United Airlines Credit Union. They were a good way to save and earn then they are great now. Would never even consider applying for a mortgage thru any other lender..
Buying a home in a fast moving market can be challenging, especially trying to get loan approval on a quick turnaround. Denise B.was AMAZING through our process! From the first day we contacted her, through closing, she worked tirelessly on our behalf. The best thing I can say about Denise is that she knows her stuff and COMMUNICATES it in a timely manner. Thank you Denise for your expertise, communication, and hard work in making this happen for my family! Alliant is very lucky to have such a quality person representing them!
I want to say that Nick has handled two properties for us in the past year and this year .He is one of the best. I have brought 10 properties and I wish he could have handled all of them . He makes a mortgage a piece of cake instead of a nightmare..I am sure he is a asset to your team and he should be given regonition for his knowledge and experience...Again great person to work with
Have a great day!
Alliant is the only institution my husband and I considered when obtaining a recent mortgage. They gave us our previous mortgage so we were well aware of their wonderful service and superior products. I had the privilege of working with Tom K. this time and, again, I came away impressed and very satisfied with the process and results. From the application all the way to the closing, Tom was there every step of the way. He explained every detail, answered every question I had, and provided timely responses to anything I needed or requested. It was imperative that we closed in a timely fashion and Tom worked hard with us to make sure this was done. Not only did we get to close on time, but because of Tom's knowledge and understanding of mortgage financing and his ability to help me understand the process, I went into the closing with the confidence that everything was in order and correct. And all went very smoothly. Alliant also offers the best rates on their products that we could find anywhere. Using them for a mortgage is a no-brainer - you can't do any better! And a huge thank you to Tom for his professionalism, knowledge and care and concern for the satisfaction of his clients.
Tom did an excellent job explaining the loan process and taking the initial info required to start the process. He also provided oversight and communication throughout. Loretta Y. at Processing did a fine job letting us know was required, when. Excellent ongoing communication. Closing was a little hectic and confused; instruction regarding when to wire my funds for closing from my Alliant account. Overall, thoroughly seamless process. Easiest mortgage loan I have ever acquired. Strongly recommend Alliant once again.
Rob J. at the credit union is awesome. I'm sorry to say the experience with the mortgage processing group and now the payment group (who say they are the credit union, but can't be) was not the best, but Rob was always there to help us out - and make things right. Also, Nicole H. helped out on the payment side, making sure the payment company processed our online request appropriately.
Rob J., Senior Loan Officer, provided outstanding, professional service throughout the process of obtaining my recent mortgage as he has done with my previous mortgages.
From my initial contact with Rob when I made the application for the loan to the end process of the final approval, Rob kept abreast of all details, issues and questions (of which I had plenty). Rob followed up efficiently and extremely timely in responding to my issues and questions going as far as engaging in a lengthly email exchange and returning a phone call when he was on a vacation day to resolve a final piece of the mortgage puzzle.
Rob's high level of service and wealth of knowledge surpassed even my high expectations of customer service and professionalism. Having managed for over 29 years in airport operations I do set a high bar for service. Rob always exceeds my expectations.
We are very satisfied with the various mortgage loans we've received over the years with Alliant Credit Union due to Rob J.'s expertise and experience. He has consistently overseen and streamlined the process to ensure on time delivery and closings. Alliant appreciates our business by providing its clients with unheard of low closing costs and fees. We would never consider using any other institution for our mortgage needs. We highly recommend Alliant Credit Union and Rob to anyone seeking a mortgage loan.
The whole process could not have gone any smoother. I probably must have spent just about an hour of my time right from the beginning to the end to complete the whole process, and this includes gathering some documentation, signing (most of them electronically), and the actual closing (which was done at my home)! Tom was fantastic, but the credit also goes to the whole team to make it so painless. I will strongly recommend Alliant...
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