First Mortgage Loans

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. Down payment as low as 3% for qualified buyers. Private Mortgage Insurance (PMI) is required for down payments less than 20% of the home's value.

Our dedicated and experienced Real Estate Lending Consultants will be working with you every step of the way.


Available for owner-occupied 1-4 family dwellings

  • Pay only 3% down (for qualified buyers)
  • Competitive low rates
  • Fixed rate and adjustable rate loans available
  • 10, 15, 20 and 30-year terms on fixed rate loans
  • 3, 5, 7, and 10-year terms on adjustable rate loans
  • Local in-house processing for efficiency and quick approvals

Download a pre-qualification form or mortgage application and get started today.  Click the "Apply Now" button below to apply online.

NMLS Registry Information for Atlantic Federal Credit Union Mortgage Loan Originators