Fixed Rate Mortgages

A Great Rate. Locked In.

With an Alliant fixed rate mortgage, you’ll gain the advantage and security of knowing your rate and your monthly payment will not change for the term of your loan. There are many other unique benefits too:

• Available in
  15 year 3.375% Rate
  30 year 4.250% Rate
• Financing available for up to 90% of the purchase of a new home, condominium or townhome. Talk to one of our home loan specialists for more information
• 0 points
• Jumbo loans available, higher rates may apply

Get a complete rate and fee quote for all the loan types that you may be eligible for.

We give our members access to a full line of mortgage products in all 50 states with exceptional benefits.

• Rate buy down option available
• No escrow waiver fee
• Low, fixed origination fee
• Convenient automatic payment options available
• Option to lock-in at a guaranteed interest rate up to 60 days before closing
• 120-day rate lock-in available on new construction-end loan at no extra charge
• Second or vacation home loans available
• Loans on 2-4 unit properties and investment property up to 4 units

You can qualify for financing up to 90% of the purchase of a new home, condominium or townhome or 80% for a second or vacation home. Contact one of our home loan specialists for more information.

Frequently Asked Questions

How do I choose between a fixed, adjustable rate (ARM) and interest-only mortgage loan?
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. Interest-only loans usually have an even lower payment in the beginning, but require a large balloon payment at the end of the loan. Talk to an Alliant loan specialist to help determine the loan that’s right for you.

I’m not sure how to choose. What should I do?
We understand. Buying a home is a big decision, so we’re here to help you. An Alliant home loan specialist can help you review the terms, structure and benefits of each type of loan. This will help ensure that you and your family have the right home loan for your situation.

How do I choose between a 15-year term and a 30-year term?
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 expenses in the long run, but the larger the monthly payment be. However, keep in mind that, even with an Alliant 30-year term mortgage loan, there are no penalties for paying ahead of your payment schedule.

Get a complete rate and fee quote for all the loan types that you may be eligible for.

View our fee schedule.