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Purchase or refinance a home loan with ACFCU

Home Loans

The Home Loan Team

There's no place like home. Let us help you get there!

Ready to take the next step in life? Do you have a growing family? Is now the time for a new home? The ACFCU Home Loan Team offers a wide variety of mortgage products to fit your needs. Contact one of our Home Loan Specialists today.

And don't forget to ask about our Relationship Rewards program!

Apply Online  Mortgage Calculator

Home Loan Products

  • Up to 100% financing available
  • Up to 6% seller paid closing costs assistance

  • Up to 90% Loan to Value
  • No prepayment penalty
  • Credit Score requirement of 620+

  • 20% down payment
  • No escrow required
  • Up to 15 year term

  • 3.5% down payment
  • Up to 6% seller paid closing costs assistance
  • Credit Score requirement of 620+

  • 100% Financing for veterans and active military
  • No PMI (Primary Mortgage Insurance) 
  • Credit Score requirement of 640+

  • 100% financing in specified rural areas
  • Income based financing
  • Up to 6% seller paid closing costs assistance
  • Credit Score requirement of 640+

Fixed Rate & Adjustable Rate Loan options available.

Please contact our Home Loan Team for the latest details by calling 423-378-3778 or emailing us at mortgagereferrals@myacfcu.org.

Meet the Home Loan Team

The members of our Home Loan Team specialize in serving our members’ mortgage needs.

Penny Pavitt
Mortgage Loan Originator
NMLS# 779477
423-416-0933

Email Penny

Anita Mattera
Mortgage Loan Originator
NMLS# 838583
423-378-2828

Email ANITA

Appalachian Community Federal Credit Union NMLS # 440873