The home you want. The lender you trust.

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.

The Run Down
  • 0% down for well qualified First Time Home Buyers
  • Down payment as low as 3% for non-First Time Home Buyers93
  • Rate lock-ins: 120 days (new construction/end loans) or 60 days (all loans) - float down protection for ARMs
  • No application fee or escrow waiver fee
  • Origination fee as low as $99548,50
  • Nationwide coverage
  • Cash back rebate program for buying and selling homes
  •  Loan amounts up to $2M
  • Customize quotes based on your loan details
  • Refinances are currently locked for 90 days.
Purchase Rates
Rate APR
3/1 ARM 2.875 % 3.390 %
5/1 ARM 3.000 % 3.354 %
7/1 ARM 3.125 % 3.355 %
10/1 ARM 3.250 % 3.377 %

Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 90 days. Get a custom quote.

Get the right mortgage for you

Picking the right mortgage term for your home loan is a big decision, and Alliant offers adjustable rate mortgages with initial fixed terms of 3, 5, 7 or 10 years.

Alliant Adjustable Rate Mortgage (ARM)

  • Rates as low as 2.875% (3.390% APR)
  • Lower initial rate subject to adjustments after fixed term.
  • Initial fixed term of 3, 5, 7, or 10-years48,49
  • You’ll have a lower monthly payment the first few years of your loan

Our home loan specialists can help you find the right term to meet your needs. Email us at [email protected] and one of our home loan specialists will follow up to answer your adjustable rate mortgage (ARM) questions. Or call 800-365-7003 and leave a message with your name and phone number. Please note: Due to mortgage market volatility and the high volume of applications we’re currently receiving, we have temporarily suspended our fixed-rate mortgages and are offering only adjustable rate mortgages at this time. Because of the number of applications we are currently receiving, it may take 2-3 days for us to respond to your initial request.

Mortgage Process

You’ve been preapproved. You found the house of your dreams and your bid was accepted. Now what?

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)

Download and save the mortgage process infographic.

More programs to help you get the most out of your mortgage

Alliant Home Rewards: Get help buying or selling your home – plus a cash back rebate

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 after your closing, we’ll give you a cash back rebate of up to $6,500 when you buy or sell, and up to $13,000 if you buy and sell through the program!88

Alliant Home Rewards can even provide online tools to help you learn about the local market and search for prospective homes.

Get Started

Alliant Advantage Mortgage (AAM) Program

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.

0% down, no-mortgage-insurance loans help first-time homebuyers

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 ARM term options available.

5% down no-mortgage-insurance loans and refinances

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.

Rate Watch

Subscribe to Rate Watch to get notified when a rate hits your target. Sit back and let the savings come to you!

Purchase Mortgage Rates

Rate APR
3/1 ARM 2.875 % 3.390 %
5/1 ARM 3.000 % 3.354 %
7/1 ARM 3.125 % 3.355 %
10/1 ARM 3.250 % 3.377 %

Purchase rates shown above are stated as low as. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Refinances are currently locked for 90 days. Get a custom quote.

Let Me Know When Alliant Rates Gets Even Better

Attention California residents: You can find Alliant’s California Privacy Statement, as required by the California Consumer Privacy Act, by clicking here.

ARM mortgage FAQs

Should I be worried that my payment on an ARM mortgage will go up dramatically after a certain time?

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.

Can I pay off my loan quicker than the payment schedule?

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.

Have more questions about mortgages?

Visit our Mortgage Resource Center for more information or email [email protected].

Have a Question?

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