<

Financial Services For Individuals & Families

Home Loans

Ready to purchase your dream home? Outgrown your current house or looking to downsize? Considering a refinance? Maybe renovations are around the corner? Let AGCU help you take the next steps. We offer loan programs tailored for your unique needs including fixed-rate first and second mortgages, adjustable-rate mortgages, and home equity lines of credit (HELOC).

Visit our Home Loan Center to get started!

AGCU is committed to helping find the right home loan option for you. We offer a variety of products to meet your requirements. Whatever your lending needs are, AGCU is here to help you navigate the process.


First Mortgage

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 Mortgage

A second mortgage can allow you to 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:

  • Low closing cost
  • No pre-payment penalty
  • Retained servicing (excludes 30 year fixed)
  • Variety of payment options
  • Cash-out refinances on specific mortgage plans

AGCU strives to provide you with the best service possible with the most individualized experience for your needs. Reach out to us today to learn more about taking out a second mortgage and how it could affect your finances.

Mortgage Checklist

When thinking of applying for a mortgage, there are a lot of materials to gather so that you’re prepared. AGCU will help 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.


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

*Mortgage loans are available nationwide, excluding New York and Hawaii.


Refinancing

Are you interested in refinancing? Why might a refinance be a good option for you? Here are some of the highlights of refinancing with AGCU:

  • Are you changing from an adjustable-rate loan to a fixed-rate mortgage
  • Moving from one adjustable-rate loan to another to lower your monthly payment
  • Decrease your interest rate and monthly payment
  • Shortening the term of your loan can help to increase equity

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


Requirements to Maintain and Provide Insurance

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:


When was the last time you shopped home insurance rates?

Take a look at AGCU Insurance and see if they can save you 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 below and we will contact you.

Banking With A Purpose

Online Banking Login Become a Member
Connect face-to-face with AGCU Video Banking! TRY AGCU ANYWHERE NOW