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Home Loans


Mortgage Mentors

Home is more than a place to live. It's where friends gather, belly laughs roll, quiet moments unfold. And one of your biggest investments. Our loan experts guide you to the best mortgage solutions - customized for you.

Home Loan Options

  • Conventional
  • VA 1
  • FHA 1
  • Jumbo

Ready to explore your possibilities? Let's talk!

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First-Time Homebuyer Program

Buying your first home can be overwhelming, but homeownership is more affordable than you think. Let us show you how you can purchase your first home with as little as 1% down* through our First-Time Homebuyer Program!

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My Way Mortgage

One size doesn't fit all for many things in life - your mortgage is no different. Enjoy a home loan custom fit for your lifestyle and financial goals. 


  • Choose the loan term and payment that works for you
  • Origination fees apply 2
  • Available for purchase or refinance
  • Competitive rates
  • Reducing your loan term by just one year can equal big savings
  • Pay off your mortgage quicker

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Adjustable-Rate Mortgage

Rates As Low As 7.185% APR 3

Looking for a lower payment each month, plan on moving before the end of the initial loan term, or are just getting started in your career and expect to earn higher wages in the future? An Adjustable Rate Mortgage (ARM) may be the loan for you.

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Home Equity Loans

Rates As Low As 8.25% APR 4

You've built equity in your home, now let's put it to work! Borrow smarter to give yourself more financial flexibility.

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VA Loans

It’s our turn to serve you. With over 67 years of serving our military service members, we are your VA loan expert!

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Refinancing your current mortgage could equal big savings by lowering your interest rate and reducing your monthly payment!

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1 These programs are not controlled by AACU. Program requirements subject to change.

2 Closing costs do not include buydown, escrow, and subordination agreement fees.

3 APR=Annual Percentage Rate is effective 04/12/2024 and includes origination fees based on product type. Rates are subject to change. A example of a 5/6 payment for $320,000 loan with a 5.75% rate and 7.185% APR, the first 60 payments are $1,867.42 followed by 300 payments that could range from $1,372.00 to $2,846.00 based on a minimum rate of 2.75% and a maximum rate of 10.75%. A example of a 7/6 payment for $320,000 loan with a 6.00% rate and 7.084% APR, the first 84 payments are $1,918.56, followed by 276 payments that could range from $1,404.00 to $2,860.00, based on a minimum rate of 2.75% and a maximum rate of 11.00%. 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.

4 APR=Annual Percentage Rate. APR is determined by adding a Margin to the Index. The Index is the Prime Rate as published in the “Money Rates” table in The Wall Street Journal. The Margin is calculated based on individual credit history and loan-to-value ratio. Rates subject to change without notice. Rates may vary after account is opened. Rates are adjusted on the first day of the quarter following a change in the Prime Rate, as published in the Wall Street Journal. The Prime Rate in effect on 7/27/2023, is 8.50%. At no time, will the rate exceed 17.99% APR. Minimum loan amount is $10,000. Maximum loan amount is $250,000. During the Advance Period, the minimum monthly payment is the greater of $50.00 or the finance charges that have accrued during the billing cycle. During the Repayment Period, the minimum monthly payment is the greater of $50.00 or the minimum monthly principal and interest payment due based on a 120 month amortization schedule calculated by the outstanding balance at the end of the Advance Period, plus finance charges that have accrued on the outstanding balance during the billing cycle. There is no limit on the amount by which the rate can change during any one-year period aside from the rate cap of 17.99%. Floor rate range is 8.25% - 11.50% APR. Under no circumstance will the APR go below the initial start APR for an individual plan. The maximum APR of 17.99% could be reached the first month of the draw period. Closing cost range is $400-$900 only if an appraisal is required. Late fees may apply. For current index value, margins, and APR, call 800.223.1983. Restrictions and requirements may apply. Ask a mortgage loan officer for details. Membership requirements apply. Equal Housing Lender. Please Note: Colorado Properties Only

My Way Mortgage is a registered trademark of Air Academy Federal Credit Union.

Air Academy Federal Credit Union: NMLS# 454287