Buy a Home
Homeownership starts before the mortgage.
Most people are not turned down at the closing table. They are turned away months earlier, by things nobody told them to fix.
Where you are
Where are you in your homeownership journey?
Choose your starting point. Each pathway leads to the specific work in front of you.
I'm ready to buy
- Get Prequalified
- Get Preapproved
- Explore Mortgage Options
- Estimate My Buying Power
- Explore Down-Payment Assistance
- First-Time Homebuyer Programs
- Schedule a Mortgage Consultation
Pathway tools are educational. They do not constitute loan approval, prequalification, preapproval or an offer of credit.
Mortgage & equity
Purchase, assistance, refinance, equity and construction
Home purchase
- Planned
Conventional Mortgages
- Planned
Fixed-Rate Mortgages
- Planned
Adjustable-Rate Mortgages
- Planned
FHA Loans
- Planned
VA Loans
- Planned
USDA Loans
- Planned
First-Time Homebuyer Mortgages
- Planned
Low-Down-Payment Mortgages
- Planned
Affordable / Workforce Housing Mortgages
- Planned
Community Mortgage Programs
- Planned
Portfolio Mortgages
- Planned
Condominium Financing
- Planned
Manufactured / Modular Home Financing
Homeownership assistance
Homeownership starts before the mortgage. This is where it starts.
- Coming soon
Down-Payment Assistance Resources
- Coming soon
Closing-Cost Assistance Resources
- Coming soon
Homebuyer Education
- Coming soon
Mortgage Readiness Review
- Planned
Prequalification
- Planned
Preapproval
- Coming soon
Credit Readiness
- Coming soon
Financial Coaching
Refinance & equity
- Planned
Mortgage Refinancing
- Planned
Rate-and-Term Refinancing
- Planned
Cash-Out Refinancing
- Planned
Home Equity Loans
- Planned
HELOCs
Build & renovate
- Planned
Construction-to-Permanent Loans
- Planned
New Construction Loans
- Planned
Lot / Land Loans
- Planned
Purchase + Renovation Loans
- Planned
Home Improvement Loans
- Planned
Rehabilitation Loans
- Planned
FHA 203(k)
- Planned
HomeStyle Renovation
- Planned
Energy-Efficiency Improvement Financing
- Planned
Accessibility / Aging-in-Place Financing
Mortgage programs shown are proposed. ACCU is not currently originating mortgage loans and is not making an offer of credit. Rates, APRs, points and fees are not established.
Build & renovate
From a lot on a map to keys in your hand.
Step 1
Find land
Lot and land financing to secure the site.
Step 2
Design
Plans, specs and a builder budget that lenders can underwrite.
Step 3
Finance
Construction-to-permanent structures with draw schedules.
Step 4
Build
Inspections and draws as the home comes out of the ground.
Step 5
Move in
Conversion to a permanent mortgage at completion.
Calculators
Run your own numbers first.
Mortgage payment
Estimate principal, interest, taxes and insurance for a purchase.
Estimated monthly payment
$1,958
Principal & interest $1,591 · Loan amount $251,750
Results are estimates for educational purposes only and are not an offer of credit, a rate quote, prequalification or preapproval.
Home affordability
A starting range based on a 36% total debt-to-income guideline.
Estimated price range
$192,313 – $213,681
Estimated housing budget $1,610 per month
Results are estimates for educational purposes only and are not an offer of credit, a rate quote, prequalification or preapproval.
Mortgage servicing
A servicing center, ready for the day it is needed.
These features are designed and reserved. They will connect to a secure servicing platform before any mortgage exists to service.
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Secure member login
Servicing actions will require authentication through an approved core or servicing provider. No account data is stored on this website.
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Hardship assistance
Loss-mitigation contacts and options will publish alongside servicing launch.
Equity
Ownership is the beginning, not the finish line.
Step 1
Own
Payments become position.
Step 2
Improve
Renovation financing protects value.
Step 3
Access
Home equity loans and lines of credit.
Step 4
Reinvest
A second property or a business.
Step 5
Pass down
Planning resources for the next generation.
Use my home's equity.
Already an owner? Estimate what may be available and what it would cost.