Dannetta Fontecchio-Aguilera

Cordera® Branch
Portfolio Mortgage Specialist
NMLS #761289

Direct: 719.592.1038
dfontecchio@aafcu.com

Apply Now with Dannetta

Our talented mortgage team is ready to listen to your needs and find a customized mortgage solution just for you. We are a full-service mortgage provider with the benefit of offering personalized solutions. Before you start looking for a home, get pre-qualified to make the process as seamless as possible.

First-Time Homebuyer Program

Buying a house is one of the biggest investments you will ever make. Getting started may seem intimidating, but our first-time homebuyer program can make the dream of homeownership a reality! If you can rent an apartment, you could probably buy a house!

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Loan Types

• Conventional Loans*
  

  • First-time home buyers may qualify for a Conventional loan with as little as 3% down (some Conventional loans allow the down-payment to be a gift from a family member)

  • Loan amounts less than 80% of the appraised value of the home do not require mortgage insurance

  • AAFCU offers competitive mortgage insurance rates

  • We offer both fixed and adjustable rate loans

  • If you are wanting to refinance or purchase a new home, contact an AAFCU Mortgage Professional to determine which of our many options are best for you

• FHA Loans*
  

  • FHA (Federal Housing Administration) loans may not require as much down payment, and may have less restrictive credit, asset and employment requirements

  • The down payment may be a gift from a family member

  • FHA mortgages allow the use of down-payment programs to provide extra assistance to homebuyers

  • FHA loans may allow non-occupying co-signers

• VA Loans*
  

  • VA loans typically have lower interest rates than Conventional loans

  • We offer VA (Cashout) Refinances and VA (IRRRL) Streamline Refinances

  • Purchase loans may not require money out-of-pocket (ask about closing cost options)

  • VA loans are available up to $1 million in some cases. Most loans over conforming limit may require a down-payment

  • Credit guidelines may be less restrictive than Conventional loans

• Jumbo Loans*
  

  • Any mortgage loan over the conforming limit is considered a Jumbo Loan

  • Credit guidelines may be a more restrictive than conforming loans

     

*These programs are not controlled by AAFCU. Program requirements subject to change.