Routing Number: 307070021

Home Loans

Easy To Apply

 Get pre-qualified before you start shopping! Apply online or call a Mortgage Loan Officer to get started!

Flexible Terms 

Choose the loan term and payment that works best for you with a My Way Mortgage®!

Loan Options

From our first-time homebuyer program to an adjustable-rate mortgage, we have options to fit your lifestyle.

Paperless Mortgage 

With our secure eSign solution you can complete much of the loan process in the comfort of your home!

A home loan that's truly on your terms! 

With a My Way Mortgage, you'll create a custom home loan to help you reach your financial goals faster. Use the calculators below to find the loan term and monthly payment that works best for you!

Customize Your Mortgage

Getting started is easy! Use the My Way Mortgage calculators below to explore loan term and monthly payment options. You can even compare two different terms side-by-side. Reducing your loan term by just one year could mean significant savings over the life of your loan!  

Loan Amount

Use this calculator to enter your desired monthly payment and term and it will display your maximum loan amount.

Get Started


Payment Amount Calculator

Use this calculator to select the loan amount and term you would like to pay off your mortgage. The calculated results will show your estimated payment amount.

Get Started


Term Comparison Calculator

Use this calculator to select the loan amount and compare two different terms. The calculated results will show you two different payment amounts as well as the estimated savings.

Get Started


Mortgage Optimizer Calculator

Use this calculator to determine the most efficient term for your desired monthly payment.

Get Started


Equal Opportunity Lender. Membership Requirements Apply. Restrictions and requirements apply. Subject to approval. Rates and terms are subject to change without notice. Refinancing fees may apply to all existing loans with AAFCU. Some loan types may require a down payment. My Way Mortgage is a registered trademark of Air Academy Federal Credit Union.

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!

Learn More

Is Your Mortgage Payment to Much?

Owning a home is more affordable than you think with an Adjustable-Rate Mortgage!

Learn More
Schedule an Appointment

Purchase or Refinance

Whether you’re looking to purchase a new home, refinance your current home, or access the equity in your house, we have a variety of products and programs to get you there.  

Purchase A New Home

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

Apply Now

Refinance Your Current Mortgage

By refinancing your existing home loan you could benefit by getting a lower interest rate and reducing your monthly payments, moving from an adjustable-rate to a fixed-rate mortgage, or use the equity you've build up for home improvements.

Plus, if you currently have an FHA or VA loan, you may qualify for a “streamline” refinance, which typically requires less documentation.

Apply Now

Available Loan Products

Conventional Loans*

  • First-time homebuyers 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.


Check the value of any Colorado home, plus access valuable information about the
property, recent neighborhood sales, school data, and area demographics. 

Get Started

Contact our Mortgage Lending Team today! 

Call Us

719.264.1207 or 800.223.1983

Frequently Asked Questions

Didn't find what you were looking for?
Ask A Member Service Representative

Become A Member Today!

Become a member today and start enjoying the great benefits of being a member of AAFCU!

Open An Account