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Purchase or refinance a home loan with ACFCU

Home Loans

The Home Loan Center

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 Center offers a wide variety of mortgage products to fit your needs. Contact one of our Home Loan Specialists today.

Apply Online  Mortgage Request Form    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 closing costs
  • No prepayment penalty
  • Credit Score requirement of 660+

  • Up to 70% Loan to Value
  • Up to 15 year term
  • No escrow required
  • Credit Score requirement of 680+

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

  • 100% Financing for veterans and active military
  • Up to 4% seller paid closing costs assistance 
  • 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 Center for the latest details by calling 423-378-3778 or emailing us at

  Mortgage Request Form    Mortgage Calculator

Meet the Home Loan Center Team

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

Penny Pavitt
Mortgage Loan Originator
NMLS# 779477

Email Penny

Anita Mattera
Mortgage Loan Originator
NMLS# 838583


Appalachian Community Federal Credit Union NMLS # 440873