So, you’re ready to buy a home.

Mortgages

Contractors, moving boxes, yardwork, gutters—homebuyers have enough on their plates. It’s why we make the lending process as straightforward as possible, offering up competitive rates, fast pre-approval decisions and a variety of mortgage products with limits as high as $2 million on properties anywhere in the US.* Find what’s right for you and start planting your roots.

Meet your team.

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Zero Down Mortgage

Start off on the right foot.

For first-time homebuyers, even a 10% down payment can feel like a reach. We can help by financing up to 100% of your purchase price up to $1.5 million if you qualify—with a fixed rate.

FEATURES & BENEFITS

  • No down payment required
  • No private mortgage insurance
  • Available on the purchase of a primary residence in Maryland, Virginia, D.C., Pennsylvania, West Virginia, New Jersey, North Carolina, and Delaware
  • Members pay closing costs and meet reserve requirements

Current Rates

mortgages@vsantamaria.com1

703.526.0200 x2

Apply Now

Refinancing

Find a better rate and save thousands.

Life changes. Mortgages should too. Refinance and you may achieve financial flexibility, reduce your monthly payments, adjust the length of your loan or even cash out on your existing loan.

Features & Benefits

  • Lock in a rate that fits your needs today, not yesterday
  • Conventional, FHA, and VA options available
  • Available for primary residence, second homes, investment properties
  • Available for single-family homes, townhomes, PUDs and condos
  • Accessory dwelling unit (ADU) financing options available

Current Rates

mortgages@vsantamaria.com1

703.526.0200 x2

Apply Now
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Fixed Rate Mortgage

Because nothing’s more important than peace of mind.

Keep your monthly payment predictable: Lock in your interest rate for the life of the loan, for priceless peace of mind.

FEATURES & BENEFITS

  • Rate stays fixed for the life of the loan for added peace of mind
  • Choice of 15-, 20- or 30-year terms
  • Available on primary residences, second homes and investment properties

Current Rates

mortgages@vsantamaria.com1

703.526.0200 x2

Apply Now

Jumbo Loan

For your next big buy.

Do you have big dreams? Borrow up to $2,000,000 with a Jumbo mortgage from ACFCU. These mortgages typically have both higher interest rates and credit score requirements, but may be ideal if you’re trading up to a bigger home.

FEATURES & BENEFITS

  • Fixed rate mortgages with terms of 15 or 30 years
  • Available on primary residences, second homes and investment properties

Current Rates

mortgages@vsantamaria.com1

703.526.0200 x2

Apply Now
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95% to 97% Financing

A little more down, a little more to gain.

Have a little bit of a down payment for your home? Apply for this mortgage, which is for homebuyers who put down 3% to 5% on your home purchase.

FEATURES & BENEFITS

  • Finance as much as 97% of your home’s purchase price
  • Requires private mortgage insurance (PMI)
  • Available on primary residences only

Current Rates

mortgages@vsantamaria.com1

703.526.0200 x2

Apply Now

VA Loans

Rewarding those who served.

Available to veterans, service members and surviving military spouses, VA loans require $0 down, provide lower average interest rates and come guaranteed by the U.S. Department of Veterans Affairs.

FEATURES & BENEFITS

  • No down payment required
  • Low fixed rates
  • Available on primary residence only

Current Rates

mortgages@vsantamaria.com1

703.526.0200 x2

Apply Now
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FHA Loan

Qualifying may be easier than you think.

Put as little as 3.5% down for this government-secured mortgage. FHA loans are insured by the Federal Housing Association and are more forgiving toward credit histories and qualifying ratios.

FEATURES & BENEFITS

  • Low 3.5% down payment required
  • More lenient on credit blemishes
  • Ideal for first-time homebuyers
  • Down payment can be a gift or a loan to the borrower from a family member or state housing agency program
  • Available on primary residences only

Current Rates

mortgages@vsantamaria.com1

703.526.0200 x2

Apply Now

Reverse Mortgages

Borrow money based on the equity in your home.

A reverse mortgage is a unique loan that allows you to convert a portion of the equity of your home into tax-free funds2, giving you greater financial flexibility and stability for the future.

It can be a smart and safe way to convert the equity in your home into retirement income.

If you are a homeowner 62 years or older contact our reverse mortgage specialist, Kimberly Petrey, to see if a reverse mortgage is right for you3.

FEATURES & BENEFITS

  • Supplemental retirement income
  • Make home repairs or modifications
  • Pay for medical or long-term costs
  • Delay collecting Social Security, for a larger monthly benefit
  • Establish a line of credit that you can tap into as needed
  • Purchase a new home

Depending on your qualifications and eligibility, you can receive your funds in a lump-sum distribution, a line of credit, monthly or term disbursements, or any combination of these payments.

To learn more about how a reverse mortgage can benefit you, please contact our reverse mortgage specialist:

Kimberly Petrey

NMLS# 392902

888.774.9361

kpetrey@cumortgage.net1

contact kimberly
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Down Payment Assistance

For first-time homebuyers & community partners.

We believe in the communities we serve. It’s why we work with a number of organizations to provide low- and no-down payment loan assistance programs to low-income and first-time homebuyers.

FEATURES & BENEFITS

  • Available to eligible first-time homebuyers and qualified community partners such as law enforcement officers, educators, firefighters and healthcare workers
  • Get up to $4 for every $1 saved (maximum is $5,000 for first-time buyers; $7,500 for community partners)
  • First-time homebuyers must also complete a financial literacy course
Learn More

We’re with you, every step
of the way.

Whether you’re moving into your first home—or moving up to your “forever” one—ACFCU is here with the right mortgage and sound advice.

Logo for Fast answers

Fast answers

From pre-approval to closing in under 30 days

Logo for Step-by-step guidance

Step-by-step guidance

Our mortgage experts are never too busy to talk

mortgages@vsantamaria.com1

703.526.0200 x2

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Tips & tools

From checklists to how-to guides, find the info you need here

Meet Your Team

lender pic

Chantal George

Mortgage Loan Officer

NMLS# 1837352

lender pic

Sandra Ortecho

Mortgage Loan Officer

NMLS# 1534423

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

Loan and membership requirements apply. Federally insured by NCUA. Equal Housing Lender. NMLS# 477974. ACFCU does not finance land-only purchases.

1Please do not submit your account number or social security number via email or contact form. Information sent is at risk of loss of confidentiality if the information is transmitted over the internet.

2Please consult your tax advisor.

3Credit Union Mortgage Association (CUMA) is a third party and we do not offer or accommodate this loan program, only refer. Kimberly Petrey is not an employee at Arlington Community Federal Credit Union.