Close this search box.

Home Loans

Ready to purchase your first home? Need more room for a growing family? Have you outgrown your current home? Talk to AGCU before taking your next steps!

AGCU will help you find the right home loan option* for you. We offer a variety of products to meet your requirements.

Whatever your lending needs are, AGCU will help you navigate the process.

Our loan programs include fixed-rate first and second mortgages, adjustable-rate mortgages, refinancing and home equity lines of credit (HELOC).

*Mortgage loans are available nationwide, excluding New York.

View Current Mortgage Rates

We have several different loan rates. View our current loan rates or call for a quote on your first mortgage or second mortgage.

Mortgage Checklist

When you apply for a mortgage, there are a lot of materials to gather so that you’re prepared. AGCU will walk you through all of the things you need. Be sure to check off these items as you prepare for next steps in the loan process.

First Mortgages

Which loan is best for first-time home buyers? What does the application and approval process look like? 

Whether you’re looking for pre-approval or already have a home picked out, AGCU’s experts will work closely with you to meet your goals. We understand you’ll have a lot of questions throughout the process. Buying a home for the first time can be a daunting task. We are here to help you every step of the way.

Second Mortgages

A second mortgage can let you use the equity in your home for investment needs. We offer a fixed rate option on our second mortgages with a maximum term of fifteen (15) years. There are several advantages of doing your mortgage loan with AGCU. Some of these include:


Are you interested in refinancing? 

Here are some of the reasons why refinancing with AGCU might make sense:

  • Change from an adjustable-rate loan to a fixed-rate mortgage
  • Switch from one adjustable-rate loan to another to lower your monthly payment
  • Decrease your interest rate and monthly payment
  • Shorten the term of your loan to help increase equity

With a little help from AGCU, you can free up money for home renovations, consolidating debt, or even save money with lower monthly payments.

Home Equity

A Home Equity Line of Credit (HELOC)* is a great solution that can help you consolidate debt, make home improvements or fund major purchases. For qualified members, we offer great low, variable rates with a maximum term of fifteen (15) years.

*HELOC’s are available in the following Missouri counties: Greene, Dade, Polk, Dallas, Webster, Christian, Stone, Lawrence, and Taney

Home Insurance Requirements

During the life of your loan, you are required to maintain and provide proof of insurance. 

If at any time during your loan term, you do not have insurance on your collateral, we will add insurance coverage to your loan that covers our requirements. The cost of the insurance will be added to your loan, increasing your outstanding loan balance and potentially changing your loan payment. If your insurance agent or company changes during the life of the loan, you are required to notify us. 

To provide proof of insurance, send your insurance declarations to:

Learn more about AGCU Insurance and see if you can time and money on your insurance.

Contact a Mortgage Officer

Apply now, or contact our mortgage professionals at 866-508-2428, email us for more information, or complete the form and we will contact you.

Contact AGCU

First Name(Required)
Last Name(Required)