Special Hours for Vulnerable Members

At our branch locations, every Wednesday morning from 9:00 am to 10:00 am, is dedicated to serving our vulnerable members, including the elderly, pregnant women, individuals with underlying health issues, or those defined by the Centers for Disease Control and Prevention (CDC) as vulnerable or at-risk. For the protection of our vulnerable members, we will limit the number of individuals in a lobby at one time.

Routing Number: 307070021


AAFCU is here to be your trusted partner as you start the process of purchasing your dream home.


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 Programs

  • CHFA- Colorado Finance and Housing Authority*
    • Down payment assistance for qualifying residents of Colorado

    • Grant and Second mortgage down payment assistance program may be available

    • Generous income guidelines

    • Some programs don't have a first-time homebuyer requirement

    • Conventional, VA and FHA programs available

    • The property must be located in the state of Colorado


  • El Paso County Turnkey Program*

    Down-payment Assistance Program for El Paso County

    • Up to 5% down-payment assistance
    • Generous income guidelines

    • No First-time Homebuyer requirement

    • FHA, VA and Conventional Freddie Mac programs available

    • Property must be located within El Paso County, Colorado

  • Denver Metro Down-Payment Assistance*

    Down-payment Assistance for Denver and participating cities and counties in and around the Denver area

    • Up to 5% down-payment assistance
    • Generous income guidelines

    • No first-time homebuyer requirement

    • FHA, VA and Conventional Freddie Mac programs available


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.

my way mortgage

My Way Mortgage

Take control of your borrowing experience and discover what it's like to design a home loan on YOUR terms!

Value Check®

Are you looking to purchase a home? You can now compare the price of the home to the actual value of the home by using the ValueCheck tool.


Paperless Mortgage

In an effort to eliminate the amount of paper involved in the mortgage process, we have created a process that can drastically reduce the amount of paper required to execute your loan. We have implemented many eSign solutions which are easy and allow you to navigate much of the loan process from the comfort of your own home. Most, if not all, of the required documents to process your loan can be transmitted electronically and securely with the help of AAFCU. This process will be outlined early on in your loan process and we are always here to assist you with any questions or concerns.


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Contact Us

Give us a call to learn how we can make this process as seamless as possible.

Mortgage Department

During Business Hours - 719.264.1207 or 800.223.1983