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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.
120-day rate lock-in: Available on new construction/end loans
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
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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This is my second mortgage with Alliant. My experience was very professional. Nick was a pleasure to work with. I obtained my preapproval quickly. The process went well. Providing the checklist helped me keep on track in order to meet the closing date. The Alliant team met my expectations!!
This is my second mortgage with ACU. Everything went mostly smoothly - as comprared to a nightmare I have had with a major bank (HSBC) back in 2010. Nick handled the application process really well, despite the challenges I created.
My only complaint is with the heavy amount of paperwork being sent to my doorstep every few days or so - in duplicate. And 90% of it would be obsolete by the time it arrives, because of email back-and-forth.
I contacted Alliant for a refinance. I also contacted a few of my banks/lenders. In the end I chose Alliant because they were very helpful with all my options and even presented me with a product that my banks didn't even have. They did a good job keeping me posted about the progress of my loan and what additional materials they needed along the way. My loan closed at the time promised. My only critique was the mobile notary public they used for my loan had a very disheveled appearance and had to come back a second time because he didn't get all the signatures he needed the first time.
This is the seventh property I've purchased and rate my Alliant mortgage experience the least professional of them all. Here's why:
- Our mortgage process was handled piecemeal without much semblance of organization. There was no formal process, clear coordination or transparency to the customer. Outside of a flurry of random emails requesting bits of information from the apathetic processor, I felt we were moving the loan forward by our inquiries and efforts. I truly felt that if I didn't have previous experiences in this process, and employed a proactive approach (with myself and our realtor) we would not have closed the loan. No checklists, online status tool, etc. Very primitive experience.
- In retrospect, the unprecedented lack of communications is somewhat understandable. If the process is this disjointed and inefficient on the back end, they wouldn't even try to communicate because it'd expose their substandard core competencies to the customer.
As a loyal 24 year ACU member I'm disappointed by the mortgage services you provided. Your competitors outclass and outperform your firm by a substantial amount. Lots of room for improvement!
I decided a few years ago to give Alliant Credit Union a try for my personal finances and I have been completely satisfied! My parents have been members when it was called the United Airlines Credit Union back in the days. After dealing with big banks out there, the Alliant CU experience was a better fit for me. I have purchased two homes throughout the years and both times I used Alliant for mortgages - with no problems at all. As long as you have all your ducks in a row, there should not be any issues to use Alliant for obtaining mortgage. Alliant is very tech savvy financial institution as you can use online website and mobile app to manage everything without stepping foot into their physical branch. My Alliant contact and loan officer Rob J. provided a smooth experience each and every time. There was no question that Rob couldn’t answer and his response was immediate. Rob also worked very closely with my realtor to provided updates every step of the way. Everything from the very beginning was smooth sailing, all the way to the day of my closing. I highly recommend working with Rob for an exemplary service and outstanding dedication to his clients. Thank you Rob and Alliant Credit Union for making the mortgage experience truly a breeze!
My experience with the Alliant refinancing process was very professional and, for the most part, very efficient. The only element that was somewhat frustrating, involved numerous, and redundant, requests for additional documentation of my wife's employment. Specifically, this element had been fully documented early in the process, and requests for further/additional confirmation were ultimately seen as unnecessary.
My Alliant "Loan Manager" was Tom K. Tom coordinated all elements of the entire process from start to finish. When things got "bogged-down", Tom intervened and "smoothed things out", putting unfamiliar elements of the process into understandable perspective.
The bottom-line is that my objectives were achieved, and my faith and belief in the member-friendly orientation of Alliant, and it's staff, have been, once again, confirmed.
I am extremely disappointed with the shortsightedness of Alliant when it comes to giving new doctors mortgages. Having been a member with Alliant for years, and them seeing nothing but a bank account balance growing year over year I was shocked to get turned down for a mortgage because my loans from medical school were too high for their debt to asset ratio. I had two other credit unions and two major banks that were thoroughly excited to have the chance to underwrite a $250,000 home mortgage with 100% loan to value w/o a mortgage insurance premium at a 3.7-3.85% interest rate. Those banks see the future value when the new doctors are no longer new and have the six figure incomes and investment portfolios that need a home.
Nick Safris, as our main Alliant Credit Union contact, takes care each steps in our mortgage processes. He did outstanding jobs. My husband and I started our pre-approval at the Christmas/New Year time. Nick answered all our questions and coordinated communications among underwriters, our agents, and lawyers on time. He noticed us all information what we need to know and what we feel good to know in advance. For instance, we have been informed that we could change our mortgage rate with adjustment fee before closing. When the Alliant Credit Union decreased the mortgage rate, Nick helped us change our mortgage rate to a lower one. It is very impressive that Nick was at our closing and directly asked all questions from lawyers. We really appreciate his helps.
After my previous mortgage company sent me several letters either overestimating the amount needed in escrow and telling me to write a check, or several months later, mailing me a check saying there was a surplus...AND the fact that they applied the wrong PIN to my property tax bill and paid ANOTHER PERSON'S (higher) property tax bill...I was beyond done with them. I worked with Nick Safis at Alliant to switch over to them and refinance. The process was easy and straightforward, communication was on-going and quick, and he explained what made the most sense for my refinance. Overall, great experience and no issues since!
The day that I talked to Nick about applying for refinancing my home, he was very responsive and got the paper work started right away. As the documents were submitted by me, he came back and told me what other papers I needed. The process went quickly because Nick was on top of the paper trail needed to finish the loan.
Even though the loan was not too much, Nick still follow through until the loan process was completed.
He also explained the closing costs so there will be no surprises before we close. My wife and I really
appreciated the follow thru that Nick did to make the process smooth.
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