Home Loans

A first mortgage has priority over all other liens or claims on a property in the event of default. Whether the member is buying or refinancing, American United offers a variety of mortgage programs that best suits our member’s needs. We can help our members find just the right mortgage.

Programs

  • Purchase loans.
  • Refinance and cash out loans.
  • FHA financing and low down payment loans (secondary market).
  • VA Financing and low down payment loans (secondary market).
  • First-time homebuyer programs.

Minimum Requirements

  • Must meet credit union member eligibility requirements.
  • Eligible upon approved credit.
  • Variable and Fixed Rate Terms available.
  • Loan Term – Up to 30 years.
  • Maximum Loan-to-Value (LTV) 90%.
  • Loans over 250K have 0.50% APR added to Interest Rate.

Product Fees

  • Account subject to all General Account Fees (Refer to Services Fee Guide).
  • Account subject to all Loan Closing Cost Fees (Refer to Loan Closing Fee Schedule).
  • Late Fee 5% of monthly payment, minimum $10, maximum $35 (exception suffix 71C).
  • Late Fee Suffix 71 C – 5% of monthly payment, minimum $10, no maximum.

Product Features

  • Maintains original rate throughout the life of loan (fixed rate term).
  • Market fluctuations won’t affect interest.
  • Refinancing may lower the interest rate and monthly payment.

Appointment Location

  • Appointments can be scheduled at any AMUCU Branch Location.

Find a Branch / ATM

We’re here to serve you. Find an American United Federal Credit Union branch near you.

Find a Branch / ATM

© 2019 American United Federal Credit Union. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

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