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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 »

Special Programs

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

Service My Mortgage

Portal for members wishing to service their mortgage online.

What others are saying

young couple with dog in the park
Mark S.
member from Winston-Salem, NC

The overall experience was great!!! Sherry definitely went out of her way to provide us with the best service we’ve ever had a bank, especially with buying our forever home!!! She’s the BEST!!

mother and daughter take selfie hiking
Lori T.
member since 2012

Professional, kind, went above-and-beyond to ensure my my closing date was maintained

girl and mother exploring flowers
Leeann B.
member since 2011

David and his team were wonderful through the entire process. They kept me informed and were quick to respond to my questions and concerns.

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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Questions? Find out what makes us different.


  • 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.