Routing Number: 307070021


You want a trusted partner when it comes to refinancing your home. AAFCU is committed to helping you reach all of your financial goals, especially when it comes to making homeownership affordable.


Trust your mortgage refinance with a financial partner that's there when you need them. 

Getting a new mortgage loan to replace your existing is called a refinance. You can benefit from refinancing by getting a lower interest rate and reducing your payments, taking out equity for home improvements or going from an adjustable rate mortgage to a fixed rate mortgage.

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

  • 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 offered or controlled by AAFCU. Program offered may change at any time.

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.


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

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