Site Notice:

We will be closed Saturday, May 25th and Monday, May 27th in observance of Memorial Day. We apologize for any inconvenience. For a list of our holidays please click here.

ACBLA’s Conventional Mortgages

Whether you are looking to buy or refinance, we offer a variety of loan options to best fit your needs. 

Mortgage Calculators Current Rates

Conventional Loan Options


Loan Details

Fixed Rate Mortgage

So that you have options, we offer four pricing tiers based on the loan term for fixed rate mortgages; 10 years, 15 years, 20 years, and 30 years.  To view our current rates and closing costs visit our rate page. Other Specific Rates and Terms are Available Upon Request.

Adjustable Rate Mortgage

ACBLA offers a 3/3 Year ARM. Maximum change for each interest rate adjustment would be 2% and the total amount the rate may change over the term of the loan would be 6%.  To view our current rates and closing costs visit our rate page. Other Specific Rates and Terms are Available Upon Request.


 

Programs & Non-Traditional Mortgages

First Time Home Buyer Program

We here at the ACBLA certainly understand the complexity of buying your first home and that is why we developed our First Time Home Buyer Program. Under our First Time Home Buyer Program you can choose from any one of our mortgage packages, fixed or adjustable. You can qualify for this program with as little as 5% down plus closing costs. There is a onetime payment for Private Mortgage Insurance (PMI) that will be included in your closing costs. Our mortgage officers will walk you through the entire process step by step making one of the biggest decisions of your life as simple as possible. For further details please contact our mortgage department

Construction Loans

Whether you are looking to renovate your kitchen or build your dream home, ACBLA will be with you every step of the way. Any of our mortgage packages are available for your construction loan. What you will need for this loan is a down payment in the form of cash or collateral, building contracts and estimates, and plans and blueprints. New Construction Loans can be a complex process, so let an experienced ACBLA member walk you through the process today.

Non-owner Occupied Residential Mortgages

If you are a residential real estate investor, ACBLA offers both adjustable rate and fixed rate mortgages for non-owner occupied residential mortgages with a Loan to Value (LTV) up to 80%. For more information contact our Mortgage Department.

Second Mortgages

Adjustable rate and fixed rate mortgages are both available options for a second mortgage. Please contact us to see how much you can borrow for your second mortgage.

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