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Annual Percentage Rate as low as:
30 Year Fixed 4.17% Apply
5 Year ARM 3.25% Apply
New/Used Auto Purchase2.25%Apply
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Annual Percentage Rate as low as:

30 Year Fixed 4.17% Apply
15 Year Fixed 3.54% Apply
5 Year ARM 3.25% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.17% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase2.25%Apply
New/Used Auto Refinance2.25%Apply
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Used RV8.50%Apply
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Mortgages

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For many people, buying a home is the biggest financial move they’ll ever make.  At Align, we want to make it easy.  From buying your first home or trading up to construction projects or refinances, we’ve got you covered with competitive rates, personalized service, and a loan program tailored to your needs.

The Align Difference

When you come to Align for your mortgage, you’ll receive:
  • A team of Home Financing Consultants who live locally in the communities we serve and can provide expert guidance every step of the way.
  • Free pre-approvals, including a convenient online application so you can get pre-approved day or night
  • A variety of programs and rates to choose from
  • Helpful calculators to determine rate, cost, and monthly payments

Homebuying 101

Buying a home is milestone, no matter if it’s your starter home or the one you hope to retire in. Whether you’re ready to see what’s on the market or just starting to prepare your finances and budget, there’s a lot to consider. No matter what stage you’re at, Align’s Home Financing team can get you on the path to home ownership. One of our Home Financing experts will help guide you through the entire process, including:

  • Your Financial Picture: Can You Afford to Buy?
  • Qualifying for and Getting a Loan
  • Finding a Realtor
  • The Application Process
  • Understanding the Costs
  • Closing and Beyond
Our process is simple. We’ll customize the process and products for you so you can pick out paint colors while we take care of the paperwork. Want to keep it local? So do we. Align has deep roots in the communities we serve so be rest assured that decisions about your loan stay local, as does the servicing for the life of your loan. Contact one of our experts today to get started.

Community Dream Program

Align Credit Union is pleased to offer the Community Dream Mortgage Program which is designed to build strong, vibrant communities in Greater Lowell. In partnership with MassHousing, Merrimack Valley Housing Partnership and the Coalition for a Better Acre, Align’s pledge of $2 million will help give families the opportunity to own their own home.

Program Details*

  • For first-time homebuyers only
  • Loans available for property rehabilitation with purchase
  • Fixed and adjustable rates
  • Competitive rates and terms
  • No points
  • $1,000 off Align closing costs
  • 3% downpayment option for single-family homes
  • 5% downpayment option for multi-family homes
  • Features mortgage insurance with mortgage payment protection
  • No Private Mortgage Insurance options available
  • One-time reduced cost for future refinancing option with adjustable rate mortgages**
Contact Jim Sullivan, Vice President Community Development, today to find out if you qualify at (978) 323-0671 or by email at JSullivan@AlignCU.com or homeloans@AlignCU.com.

*Applicants must meet low-to-moderate income requirements and must not own any other property at the time of closing. Loans limited to properties located in Billerica, Chelmsford, Dracut, Lowell, Tewksbury and Tyngsboro. Loan limits apply. **Loan approval for future refinance is not guaranteed. Restrictions apply. Ask us for details.

Fixed Rate Mortgages

The most common type of mortgage, the fixed rate mortgage is ideal for homeowners who want the certainty of a predictable monthly principal and interest payment.

  • A variety of repayment terms, including 15, 20, and 30 years
  • Offers protection from rising interest rates during the loan term
  • A great choice for homeowners who plan to stay in their homes for a long time
  • No penalty for paying off the loan early
  • All loans serviced locally
  • Home Insurance available
Contact one of our Home Financing experts for additional information and questions or apply today.

Adjustable Rate Loans

Adjustable rate mortgages (ARMs) have an interest rate that may periodically change. Generally, these changes are determined by a margin and an index so that the interest rate changes, up or down, are based on market conditions at the time of the change.

  • A variety of repayment terms featuring a fixed rate for a designated time period, including 5, 7, or 10 years – with an annual interest rate and payment change during the remainder of the term
  • Usually offers a lower rate than a fixed rate loan during the initial fixed rate period
  • A good option for buyers who plan to sell within 5 to 10 years
  • No penalty for paying off the loan early
  • All loans serviced locally
  • Home Insurance available
Contact one of our Home Financing experts for additional information and questions or apply today.

Jumbo Mortgages

A Jumbo mortgage may be right for you if you are looking to buy a larger home and your mortgage will be more than $417,000. While the application process is very similar, there can be different requirements you will need to meet.

  • Fixed-rate and adjustable-rate terms available
  • Provides opportunity to access larger loan amounts at competitive interest rates
  • Available for primary residences, second or vacation homes and investment properties
  • No penalty for paying off the loan early
  • All loans serviced locally
  • Home Insurance available

Contact one of our Home Financing experts for additional information and questions or apply today.

*Adjustable rates only for Jumbos

Construction Loans

If you have the blueprints for a new home, we have the blueprints to help you finance it. We have many options available for financing the construction of new homes, ranging from fixed rate mortgages to ARMs with a variety of terms to choose from.

  • Pay only interest during construction
  • One time closing
  • No penalty for paying off the loan early
  • All loans serviced locally
  • Home Insurance available

First Time Homebuyer Program

Connecting first-time homebuyers to a low rate and $1000 off closing costs*

Buying your first home is a big milestone. While the process can be daunting, it doesn’t have to be. At Align Credit Union, our business may be mortgages but our goal is to help you every step of the way. Our Home Financing Consultants will simplify your finances and in the process you’ll receive the rewards, including $1000 off closing costs.*
Getting ready to make a big purchase like a new home certainly makes you examine your finances. Let us help. Maybe we can save you money by refinancing your auto loan or get you a lower rate on your credit card. Looking at your whole financial picture is an important part of the home buying process and our Home Financing Consultants will make sure your road to home ownership comes with as few bumps as possible.

* To be eligible for $1,000 off Align Closing Costs, you must have direct deposit and auto payment from an Align checking or savings prior to loan closing. Offer available for first time buyers with a minimum mortgage amount of $150,000. Not available on no closing cost loans. Cannot be combined with any other offers. Subject to credit approval. Limited time offer.

Mass Housing Mortgage

This affordable loan from the state’s affordable housing bank is just right for first-time homebuyers as well as those looking to move up or refinance. With its flexible underwriting and fixed rate financing, it’s the perfect mortgage loan for low and moderate income households.

  • Competitive interest rates
  • Low monthly payments
  • Up to 97% financing with no cash required on single family homes and condos
  • Maximum income limits as high as $122,040 (varies by city/town)
  • MI Plus™ mortgage insurance helps pay the mortgage in case of job loss
  • Attend a MassHousing approved counseling course to get educated

Contact one of our Home Financing experts for additional information or questions.

Income Property Loans

Earn a return on your investment…immediately or down the road when you purchase an income property.

  • Fixed and Adjustable rates available
  • Loans up to $1,000,000
  • Finance up to 80% of the appraised value or purchase price, whichever is less
  • Eligibility property types include single family residences, 2-4 units, and condominiums
  • No penalty for paying off the loan early
  • All loans serviced locally
  • Home Insurance available

Homebuying Expert Videos

Take a look at a variety of videos related to the homebuying process. You can reach out to our Home Financing Consultants at any time to ask questions or to get the process started. View the videos today.

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Email us for a $500 coupon off closing costs.

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Or, send an email directly to: homeloans@aligncu.com.

We will be in touch within 24 hours during credit union business hours.

*Minimum $150,000 loan amount and must be submitted at time of application. For new mortgages only.