Earn 1.25% APY on your money with an Alliant High-Rate Savings Account.
Earn rewards, get cash back or take advantage of a low standard variable rate.
Award-winning. Great rates. Free High-Rate Checking. 24/7 service.
Earn top dollar with rates up to 2.25%APY.
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.
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 – up to $6,500!88
And in select cities –Boulder, Chicago, Denver, Los Angeles and Oakland/San Francisco (check back for more locations) – 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!
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.
The process went exactly as explained by Tom K. and all worked well, went from application to closing in less than 4 weeks.
Tom K. and and the processing team were great. It was generally a very smooth and painless process. Alliant was on top of what was needed and did a good job of keeping us informed throughout the process.
Everything was done online except for the closing which was done at a place of our choosing. That place just happened to be a restaurant. Everyone was helpful and available during the entire process.
This is our first mortgage with Alliant and we couldn't be happier. Mike Hanekamp worked hard on our behalf to get this loan done, and what impressed me the most was his lightning fast replies to our questions. The entire staff was super responsive and we really felt like we had great friends making our mortgage happen. I can't recommend them enough.
This was our first refinance. The process was easy and the folks at Alliant were great to work with. We thought it was great that the notary came directly to our house to have us sign the papers. We got a great interest rate and we will use Alliant again for our mortgage needs. Thank you for the excellent service.
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