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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

Construction Loans

Resources and guidance to support your new home construction

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

Old Terrier sleeping on bright pink pillow
Madison P.
member from Holly Springs, NC

Friendly staff who were very knowledgeable and patient with first time home buyers!

Happy young male at home smiling with tablet in hand
Daniel Y.
member from Winston-Salem, NC

Bob Church was absolutely without doubt. FANTASTIC! He was there every step of the way. For a first-time home buyer, it’s imperative that we understand the process, and it was his mission to make sure I followed along with every step. I recommend him ten times over!

Daughter hugging Dad's neck at home
Tobi M.
member from Winston-Salem, NC

Local team. Very friendly and efficient.

Dad and Son playing football in front yard
Michael R.
member from Palm Beach Garden, FL

Bob Church made himself available whenever I had questions or concerns… He even took the time with me late on a Friday night … I didn’t know there were other people like myself that work that hard for their members.

2018 Best Places to Work

Allegacy was the second place winner in the 2018 Best Places to Work awards program by the Triad Business Journal.

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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.