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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

senior couple taking a selfie at the beach
Amy C.
member from Winston-Salem, NC

Amazing service, lightening fast responses to inquiries! Treated me as though I was the only customer Allegacy has!

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!

Front entrance with bench and round mirror by blue front door
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.

father and son taking a selfie outdoors whilst playing basketball
Ryan P.
member from Charlotte, NC

Financial institutions typically only pay lip service to relationships and client service. The entire team at Allegacy have consistently demonstrated that my family matters. I truly believe we are respected and appreciated!

young woman taking a selfie with her baby girl
Dalila A.
member from Winston-Salem, NC

Efficient from my mortgage processor and the person involved on my loan application from the very start to the end.

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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Disclosures

  • 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.