Home Loans
Whether you’re buying your first home or your dream home, we’re here for you.
Need to speak to a mortgage specialist to know how to get started?
First-Time Home Buyer
Receive a discounted fixed or ARM rate and lower closing costs. Perfect for those who haven't owned a home in the last three years.
First-Time Home Buyer
Receive a discounted fixed or ARM rate and lower closing costs. Perfect for those who haven't owned a home in the last three years.
Whether you’re buying your first home or your dream home, we’re here for you to help make it happen with rates competitive with the national average, in-house underwriting and lower closing costs. Or perhaps it’s time to refinance your home for a better rate or perhaps a remodel of your home with a Home Equity Line of Credit. No matter what your needs, we are here to help.
- Fixed Rate Loans – This "traditional" type of loan maintains its original interest rate throughout the entire life of the loan.
- Adjustable Rate Loans – This flexible loan features a lower monthly payment fixed for a set number of years and then adjusts after the initial fixed period.
- Jumbo Loans – If your dream home exceeds the conventional loan limit of $766,550, take advantage of our special pricing.
- Unique Loans– We offer a number of unique loans, including first-time homebuyer programs, investment and second homes. Learn more about our special offers.
Already have a mortgage?
Depending on your current rate and how long you plan to stay in your home, refinancing your mortgage may lower your monthly payment and even shorten the term of your loan.
- External Refinances - Do you have a mortgage with another lender? Our refinancing programs may be a better fit.
- Cash-Out Refinances - Use the equity in your home for home improvements or to consolidate high interest debt.
- Rate Modifications** - If you currently have an American Airlines Credit Union home loan, we can change your interest rate or loan program for a low fee.
- Home Equity Line Of Credit (HELOCs) - The equity in your home is a valuable resource, and we want to help you tap into it. Our HELOC loans can be used for many purposes, from home improvements to debt consolidation.
FIRST-TIME HOME BUYER
Perfect for those who have never owned a home or haven't owned one in the last three years, the first-time home buyer loan can help you unlock the door for less.
- Fixed-Rate or ARM - Receive a special discounted loan rate to help keep your payments more affordable.
- Low down payment - You can use funds given to you from a family member.
- Low Closing Costs - We'll refund your processing fee after you close.
- In-House Servicing - You'll always know where your mortgage is held.
Learn more about the home-buying process in our home-buyer webinar and use our calculators to help you see how much you can afford.
READY TO START THE LOAN PROCESS?
If you're ready to get started we can help you with a number of tools, resources and steps to take:
Step 1: Research.
- Print and use this checklist. Be prepared by knowing what you'll need.
- Members on the Move - Work with a personal program coordinator throughout your home selling or buying experience. It's a complimentary Credit Union service.
- Nationwide Mortgage Licensing System (NMLS) - Verify a mortgage company or individual.
- Mortgage Loan Originator Listing - Locate an American Airlines Credit Union loan officer's National Mortgage Licensing System ID.
- Loan Calculator - Find out what's right for you.
Step 2: Get pre-approved.
- Get your documents ready.
- Apply for a loan so you're ready when you find a home.
Step 3: Find a home.
- Our trusted loan professionals will help you pick an inspector, order an appraisal and select appropriate homeowners insurance.
Step 4: Close on your home.
Other resources:
- Consumer financial Protection Bureau (CFPB) - Housing counselor database.
- CFPB Mortgage Help - Advice on foreclosure
- Fixed Rate Loans – This "traditional" type of loan maintains its original interest rate throughout the entire life of the loan.
- Adjustable Rate Loans – This flexible loan features a lower monthly payment fixed for a set number of years and then adjusts after the initial fixed period.
- Jumbo Loans – If your dream home exceeds the conventional loan limit of $766,550, take advantage of our special pricing.
- Unique Loans– We offer a number of unique loans, including first-time homebuyer programs, investment and second homes. Learn more about our special offers.
Already have a mortgage?
Depending on your current rate and how long you plan to stay in your home, refinancing your mortgage may lower your monthly payment and even shorten the term of your loan.
- External Refinances - Do you have a mortgage with another lender? Our refinancing programs may be a better fit.
- Cash-Out Refinances - Use the equity in your home for home improvements or to consolidate high interest debt.
- Rate Modifications** - If you currently have an American Airlines Credit Union home loan, we can change your interest rate or loan program for a low fee.
- Home Equity Line Of Credit (HELOCs) - The equity in your home is a valuable resource, and we want to help you tap into it. Our HELOC loans can be used for many purposes, from home improvements to debt consolidation.
FIRST-TIME HOME BUYER
Perfect for those who have never owned a home or haven't owned one in the last three years, the first-time home buyer loan can help you unlock the door for less.
- Fixed-Rate or ARM - Receive a special discounted loan rate to help keep your payments more affordable.
- Low down payment - You can use funds given to you from a family member.
- Low Closing Costs - We'll refund your processing fee after you close.
- In-House Servicing - You'll always know where your mortgage is held.
Learn more about the home-buying process in our home-buyer webinar and use our calculators to help you see how much you can afford.
READY TO START THE LOAN PROCESS?
If you're ready to get started we can help you with a number of tools, resources and steps to take:
Step 1: Research.
- Print and use this checklist. Be prepared by knowing what you'll need.
- Members on the Move - Work with a personal program coordinator throughout your home selling or buying experience. It's a complimentary Credit Union service.
- Nationwide Mortgage Licensing System (NMLS) - Verify a mortgage company or individual.
- Mortgage Loan Originator Listing - Locate an American Airlines Credit Union loan officer's National Mortgage Licensing System ID.
- Loan Calculator - Find out what's right for you.
Step 2: Get pre-approved.
- Get your documents ready.
- Apply for a loan so you're ready when you find a home.
Step 3: Find a home.
- Our trusted loan professionals will help you pick an inspector, order an appraisal and select appropriate homeowners insurance.
Step 4: Close on your home.
Other resources:
- Consumer financial Protection Bureau (CFPB) - Housing counselor database.
- CFPB Mortgage Help - Advice on foreclosure
