The best of life happens at home.

Your home is your private sanctuary, where you make the rules, even in fuzzy slippers and lounge pants. Your home should reflect who you are and have comfortable payments. We can help. 🏠

You’ve got options.

Home-buying Options

First-time homebuyers • Conventional
FHA/VA • MBOH • 5/5/5 ARM
Modular or Mobile Home

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Bridge Loan

Use the equity in the home you’re selling to borrow against for a down payment on the home you’re buying.

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Equity Builder

Zero Down (yeah, you read that right: 100% financing and NO DOWN PAYMENT required – some restrictions apply though.)

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need help?

I’d like to…

Planning? We’ve got a calculator for that.

Which mortgage option is best for my budget?

Use this calculator to compare the total cost of any 2-3 mortgage options.

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How much will my fixed rate mortgage payment be?

Compute the payments (principal and interest) for a fixed rate loan.

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Is it better for me to rent or to buy a home?

Calculate to compare the cost of renting versus the real cost of buying a home.

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What’s the interest savings from a higher mortgage payment?

Compute the impact of extra mortgage payments on the total interest paid.

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How much mortgage might I qualify for?

Calculate with your total monthly gross income and monthly expenses.

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How much home can I afford?

This calculator computes the most expensive house you can buy based on the highest payment you can afford.

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Calculator disclaimer

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Presented by TimeValue Software ©2024

Home equity options

A home equity is handy for unexpected expenses, like when you accidentally put the wrong soap in the washing machine and have an instant foam party (not that you’d do that). A home equity loan can pay for planned events (like a pool party when you’re missing, say…the pool).

Loans  •  Lines of Credit  •  Interest Only

Home Loan FAQs

Have a question not answered here?

Disclosures

It is the policy of Altana Federal Credit Union to comply with all fair lending laws and regulations, including the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), the Fair Credit Reporting Act (FCRA), and the Fair Housing Act. In addition, the Credit Union adheres to federal regulatory agency fair lending guidance as set forth in the Interagency Policy Statement on Discrimination in Lending. Under the Equal Credit Opportunity Act (ECOA), it is illegal to discriminate in any credit transaction on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), applicant’s receipt of public assistance income, and/or the applicant’s exercise of any right under the Consumer Credit Protection Act.