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Real Estate
Home Loans
Whether you're buying your first home or looking for a change, we offer a variety of great home loan choices for properties in all 50 states, with competitive rates and an easy application process. Explore our fixed and variable rate home loan options to find the choice that works for you:
| Description | ||
|---|---|---|
| Fixed Rate Loans | You will have one interest rate and payment for life of loan. | Check Rates Apply Now |
| Adjustable Rate Loans | You will have a lower starting rate. Rate can change up or down once each year based on published index. | Check Rates Apply Now |
And that's not all! Bridge loans, an extensive network of closing resources, and more are all available to make your home purchasing experience a great one.
The Affinity Stress-Free Mortgage
The Affinity Stress-Free Mortgage gives you an easy way to take advantage of falling interest rates!
How? Affinity mortgage programs feature an interest rate re-lock option that gives you the freedom to change your rate to a lower available rate at any time during your lock-in period. When you re-lock, you will pay a fee of 1% of your mortgage loan. This one-time fee, which is collected at your closing, allows you to re-lock as many times as you wish during your lock-in period!1
If you choose to keep your initial rate, you will not pay the re-lock fee.
The Power of Refinancing
Lower interest rates have made this a good time to refinance your mortgage. With a lower interest rate, you can save thousands of dollars over the life of your mortgage.
Get Started
Apply now - you can always finish your application later. Questions? Contact our Member Service Center at 800-325-0808 to speak with a Home Finance Consultant.
Special Programs
- Real Estate Resource Center
As an Affinity member, you have access to more than just real estate loans and great rates! Whether you want to make sure you're getting the most out of your real estate loans, want to connect with qualified, reliable closing resources, or are interested in learning more about the New Jersey housing market, you have the resources you need at your fingertips. - Home Loan Health Check
Do you have the best home loan arrangement for your situation? With our Home Loan Health Check, we can answer your questions and find the best loan options available for you. - Affinity Rate Watch
After you apply for an Affinity Stress-Free Mortgage, sign up for our free Rate Watch program and we'll email you our mortgage rates on a daily, weekly or monthly basis. You can even specify a target rate and we'll let you know if our rates reach or drop below that target! If you see that rates for your chosen mortgage program have fallen and you want to re-lock with the lower rate, all you have to do is notify us and request a re-lock. - Loans Available Nationwide
Did you know that our real estate loans are available for properties in all 50 states? We can help you - and your relatives - with vacation homes, additional residences, rental properties...anywhere in the nation! - Homeowner's Insurance
Ensure that your real estate assets are properly protected. Affinity members have access to excellent homeowner's insurance options.
1 After you complete and submit your application, an Affinity Home Finance Consultant will contact you to discuss the rates and fees available to you. After your loan is reviewed with you, you can elect to lock-in the interest rate for your loan or allow it to "float" - which means the rate will rise and fall with market conditions. You can either lock-in at a later time during your lock-in period or have Affinity automatically lock-in the available rate at the end of the lock-in period. No matter when you first lock-in your rate, you will not pay a lock-in fee for that initial lock-in. After you lock in your rate, if you want to re-lock at a lower available rate, you will pay a re-lock fee equal to one percent (1.00%) of your loan amount, payable at the time of closing. This fee is refundable only if your loan application is denied by the Credit Union. NOTE: the interest rate and fees may be different at the time you request to lock-in or re-lock. This is based on the characteristics of your loan application which include but are not limited to your credit history, property appraisal, income, debts, and if applicable the specifics of your refinance.
2 Your $300 application fee will be held by Affinity Federal Credit Union until the time of your loan closing. If you do not close your loan with Affinity, your $300 fee will not be refunded.
