- Fixed-Rate Mortgage
Your interest rate stays the same.
- Adjustable-Rate Mortgage
Potentially lower initial rate.
- VA Loans
Home financing for eligible military borrowers.
- Swing Loan
Buy your next home before selling your current one.
Lock in a fixed interest rate for 30 years, with principal and interest payments that stay consistent throughout the loan term.
Explore your home purchase or refinancing options with help from an AACU mortgage loan officer.
- Rate Stability: Your interest rate won't change during the loan term.
- Consistent Principal & Interest: Know what to expect from this portion of your monthly mortgage payment.
- Purchases and Refinance: Explore options for buying a home or refinancing your current mortgage.
Mortgage Mentors
Buying a home comes with important decisions, and you deserve someone who takes the time to explain them. Our mortgage loan officers walk you through your financing options, answer your questions, and help you understand what to expect along the way.
- Conventional
- VA2
- FHA2
- Jumbo
- Reverse Mortgage2
Let's talk about what's possible for your next home.
My Way Mortgage
Your mortgage term doesn't have to follow the usual timeline. With our My Way Mortgage, you can choose a loan term and payment that works for your budget, whether you're buying a home or refinancing.
- Choose your mortgage term and payment
- Available for home purchases or refinancing
- Shortening your loan term by even one year could save you money
- Competitive mortgage rates
- Pay off your mortgage sooner
- Origination fees apply3
- Review and sign select closing documents electronically with a hybrid closing option*
- Support the Colorado Homeownership Coalition through your mortgage with AACU
Estimate Your Monthly Mortgage Payment
Get a clearer picture of what homeownership could cost. Use our mortgage calculator to estimate your monthly payment, including principal, interest, property taxes, and homeowners insurance.
Adjustable-Rate Mortgage
An Adjustable-Rate Mortgage (ARM) offers an initial fixed-rate period, followed by a rate that can change over time. With a potentially lower starting rate than a traditional fixed-rate mortgage, an ARM may be worth exploring if you're considering a move or refinance in the future.
As Low as 7.444% APR4
Value Check®
Curious what your Colorado home is worth? Value Check® gives you a quick, free estimate of your home's value. No login, no personal information, and no pressure.
Whether you're considering selling, refinancing, or simply keeping an eye on your home's value, you can get an estimate in seconds.
- Available for Colorado properties
- Enter an address to get an instant home value estimate
- No login or personal information required
Home Loans - AACU Home Loan FAQs
AACU offers a 30- year fixed-rate, first-time homebuyer program, adjustable-rate, VA, FHA, jumbo, and reverse mortgage options, plus a Swing Loan for buyers who need to purchase before selling. Each loan type suits a different budget or timeline. Compare VA Loans if you qualify for military benefits.
The AACU mortgage lineup focuses on competitive rates and flexible terms rather than a separate rewards program tied to opening a home loan. Members instead benefit from local loan officers guiding the full process. Check your eligibility before starting a mortgage application.
1 APR=Annual Percentage Rate. APR for this loan type is 7.051%. Rate with approved credit. Terms and rates may change at any time without notice. Rates apply to Conventional 1st mortgages. Closing costs apply and range from $2,500-$5,000 depending on circumstances which do not include rate buy-down or escrows. Minimum loan amount is $40,000. Maximum loan-to-value ratio is 80%. Payment example: 360 payments of $2,660.94 at an interest rate of 6.999% based on an average $400,000 loan balance. Monthly payment amount displayed includes principal and interest only. Payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. Other restrictions and requirements may apply. Membership requirements apply. Ask a mortgage loan officer for details
2 These programs are not controlled by AACU. Program requirements subject to change.
3 Closing costs do not include buydown, escrow, and subordination agreement fees.
4 APR=Annual Percentage Rate is effective 10/12/2026 and includes origination fees based on product type. Rates are subject to change. A example of a 7/6 payment for $320,000 loan with a 6.750% rate and 7.444% APR, the first 84 payments are $2,075.51, followed by 276 payments that could range from $1,422.00 to $3,052.00, based on a minimum rate of 2.75% and a maximum rate of 11.575%. Examples assume a property value of $400,000 and a loan to value of 80%. Above payment examples don’t include taxes and insurance. Actual payments may be higher. Closing costs don’t include buy downs, escrows or subordination fees (if applicable). The values are published by the Federal Reserve Bank of New York. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender.
My Way Mortgage is a registered trademark of Air Academy Federal Credit Union.
Air Academy Federal Credit Union: NMLS# 454287