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Home Loans

find your nest. be at home.

Homes aren’t one-size-fits-all. Neither are home loans. That’s why we begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. With competitive rates and lower fees than most lenders, our mortgages are easy to live with, today and for years to come. Already house hunting? Our free worksheets can help you find your happy place »

Mortgage Eliminator Loan

Eliminate your mortgage as fast as possible with little to no closing costs

Fixed-Rate Mortgages

Fixed monthly payments amortized over 15, 20 or 30 years more »

Adjustable-Rate Mortgages

Low starting payments for a set period, followed by variable rates

First Time HomeBuyer

Great program with a low downpayment option in North Carolina

FHA Loans

Buy a home with a smaller downpayment and get competitive rates

VA Loans

Up to 100% financing for retired and active service members more »

Medical Mortgage Program

Conducive for qualifying medical professionals just starting their careers

Special Programs

For mortgages of all kinds – second homes, investment properties and more

Mortgage Loan Specialists

Meet our team and discuss your individual mortgage needs

Service My Mortgage

Portal for members wishing to service their mortgage online.

What others are saying

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Karen E.
member from Lexington, NC

Allegacy made everything so easy to send in information. They also have some of the best rates for mortgages.Everyone kept me up to date on what was needed or expected from me. They also made it easy to work out a closing date that suited our needs since we work during the day.

smilling border collie holding toy ball in mouth playing with owner
Nathen W.
member from Winston-Salem, NC

The people I have worked with on the two mortgages I have with Allegacy have made my experience great – so professional caring and helpful!

little kid pressing their ear to mom's pregnant stomach in sunny room
Wendy N.
member from Thomasville, NC

Helpful, courteous mortgage loan officer and processor. They stayed on top of my mortgage. Kept me informed and helped me select a mortgage that would work for me. It was a great experience from beginning to end.

close-up of toddler holding fingers in a peace sign lying inside open cardboard box
Karen F.
member from Edenton, NC

From the onset of the mortgage application process the team was unbelievably helpful, friendly and sincere. They walked us through the entire process offering help and guidance along the way, making an often stressful period, pleasant.

2019 Best Places to Work

Allegacy, one of the largest credit unions in North Carolina, has been honored as one of the Triad’s ‘Best Places to Work’ by the Triad Business Journal. Thank you to our 400+ employees for sharing your experience!

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  • All loans are subject to credit & property approval. Rates are based on your credit history and profile. Rates, terms and products are subject to change without notice.

  • First mortgages are available in CA, CT, DE, District of Columbia, FL, GA, IL, IN, MD, NJ, NY, NC, PA, SC, TX, VA, WV.