Home Loans
We can help secure loans for your first home, second home, or vacation getaway. From condos to multi-family homes, we make it easy and put your financial interests first.
Home Mortgages
Home Solutions Tailored to Your Lifestyle Through Our Partnership with Servion
Through our partnership with Servion, we’re able to offer our members a full range of home loan solutions with the same personalized service you trust from your credit union.
Whether you’re buying your first home, upgrading, downsizing, or purchasing your dream vacation home–we make financing seamless.
All Mortgage Products Include:
- Non-Conforming ARMS
- Conventional Loans
- Jumbo Loans
- USDA Loans
- FHA Loans
- VA Loans
Home Purchasing & Refinancing
AHCU partners with Servion to offer home purchase and refinancing solutions tailored to your needs. Whether you want to lower your payment, shorten your term, or access home equity, their experts make the process simple and stress-free. Members benefit from competitive rates, flexible options, and personalized support at every step.
Benefits of an AHCU Mortgage Provided By Servion
- Competitive rates
- 1st Time Homebuyer Program
- Flexibility — Available for primary residence, second homes, vacation properties and multi-family homes
- Free pre-approval
- Quick decision-making and processing
- Knowledge about the local real estate market
Servion Realty
Buying, Selling, or Refinancing… Servion Realty Can Help!
We’ve partnered with Servion Companies to bring you realty, mortgage, and title services — all in one location in the Twin Cities. That means you can find a home, arrange for the mortgage, and close on your home all at the same place. And refinancing your existing home is just as easy and timesaving as purchasing a new one.
Full service. Buying and selling. That’s Servion Realty.
For your free market analysis or to consult with a Realtor® about purchasing a home, call (651) 787-9555 or click the link below.
TruStage Home Insurance
As a member of Associated Healthcare Credit Union, you could enjoy discounted rates combined with online convenience and 24/7 claims service.
Contact the Liberty Mutual direct response center by telephone at 1.888.380.9287 or by using the button below.
TruStage Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. MAH-1112-7C9E
New Adjustable Rate Mortgage (ARM) Loans
An Adjustable Rate Mortgage (ARM) is a home loan designed specifically for healthcare workers and their families. Even if you’re burdened with student loan debt, an ARM loan allows you to own your dream home sooner, with less cash upfront.
- No PMI
- Low or no down payment
- Flexible student loan treatment
- Employment contracts accepted
- Built specifically for healthcare professionals.
Flexible HELOC Loans from AHCU
AHCU offers in-house HELOC (Home Equity Line of Credit) loans, giving members flexible access to their home’s equity. Whether it’s for home improvements, debt consolidation, or other major expenses, our team works with you directly to provide competitive rates and personalized guidance. With AHCU, the process is simple, convenient, and designed around your financial goals.
Benefits to AHCU Home Equity Loans
A Home Equity loan offers competitive rates for several short-term or one-time needs such as:
- Education expenses
- Major life events
- Home remodel projects
- Debt consolidation
- And much more
The existing equity in your home is used as collateral backing. There is no prepayment penalty, and interest paid might be tax deductible*.
You can opt to receive funds in one lump sum, or apply for a Home Equity Line of Credit (HELOC) loan.
*Consult a tax advisor.
Pay Off Credit Card Debt
You can also use a Home Equity Loan to pay off high-interest credit cards. See the example below.
| Credit Card | Home Equity Loan | |
|---|---|---|
| Balance | $15,000 | $15,000 |
| APR* | 27.79%** | 6.90%*** |
| Years to Pay Off | 5 | 5 |
| Monthly Payment | $465.14 | $296.31 |
| Interest Paid | $12,908.33 | $2,715.11 |
* APR is Annual Percentage Rate
** Average national credit card rate according to Forbes Advisor’s weekly credit card rates report, Jan. 15, 2024
*** As low as 6.90% APR
Home Equity Rates
Home Equity Line of Credit Loans1
| Terms | APR* |
|---|---|
| Up to 80% LTV | 7.00% (Prime plus 0.25%) |
| 81-100% LTV | 8.50% (Prime plus 1.75%) |
1Variable rate based on Prime as published in WSJ. (Min 3.50% and will not exceed a cap of 12%)
Fixed Rate Home Equity Loans
| Term | Type | APR* |
|---|---|---|
| 5 year (Up to 15-year available) | 1st Position, Up to 80% LTV** | 5.50% |
| 5 year (Up to 15-year available) | 81%-100% LTV** | 7.20% |
*APR = Annual Percentage Rate.
** LTV is the loan to value ratio and factor determines daily periodic rate for loans.
If You Are Already a Member
Current members can simply log into online banking, click (+) add account and then choose the Home Equity loan option you need.
On-Demand Home Buying Education, for FREE
- Budgeting to purchase a home
- The home buying process
- Home inspections
- Closing costs
- How your credit score impacts your ability to purchase a home
- And much more
Best of all, these resources are all absolutely free to AHCU members.
