A Mortgage as Unique as the Home of Your Dreams

No lender fees, expert guidance and mortgage solutions designed with your financial goals in mind.

Purchasing a new home is one of life’s biggest and most exciting milestones. We also know it can be an intimidating financial decision. Affinity makes getting a mortgage stress-free and affordable with personalized guidance, no lender fees and an array of mortgage loans built to achieve your unique financial goals, so you have more time to enjoy your new home. Regardless of where you are on your financial journey—from preparing to qualify for a mortgage through holding the keys to your new home—we’re here to make homeownership a reality for you.

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Zero Lender Fees

  • No processing fees
  • No application fees
  • No commitment fees
  • No document preparation fees

Mortgage Options to Fit Your Needs

Whether you are a first-time homebuyer or an experienced homeowner, we have a variety of mortgage solutions and loan terms to meet your financial goals.

Competitive Interest Rates

Your dream home is in reach with our competitive fixed and adjustable-rate mortgage options for a monthly payment that fits your budget—available in all 50 states.

Personalized Guidance

Our Mortgage Loan Officers (MLOs) will guide you through the entire mortgage process —from preparing you to qualify to closing on your new home.


Whether this is your first home or your fourth, we can help you find your way home through a variety of homebuying tools.


Affinity HomeAdvantage® Mortgage Program

The one-stop resource for buying & selling a home that can save you thousands1. In fact, Affinity members enrolled with HomeAdvantage® have received nearly $400,000 since the start of our partnership in July 2017. 

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Lock and Look Mortgage Program

Lock and Look Mortgage Program Icon

Lock in your mortgage rate for up to 90 days and shop confidently for your new home without worrying about rising rates. 

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First-Time Homebuyer Rebate

Affinity First-Time Home Buyer Program

We know buying your first home is both an exciting and overwhelming experience. Not only will our Mortgage Loan Officers guide you step-by-step through the process, we'll get you off on the right financial foot with a $500 bonus.

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Affinity Professionals Mortgage Program

Don't let student loan debt keep you from buying a home. The Affinity Professionals Mortgage Program is designed to help rising professionals qualify for a mortgage.

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Wondering how much your monthly mortgage payment will be? Use our free mortgage calculator to figure out your monthly payment, including your mortgage's principal and interest payments as well as homeowner's insurance and taxes.


A mortgage is a type of loan that allows you, the borrower, to purchase a home without having to pay for the entire purchase price in cash. Mortgages typically have longer terms, such as 15, 20, and 30 years, but can be shorter depending on your financial goals. Similar to other loans you may have, you repay both the amount you borrow, plus interest.

View or compare our latest mortgage rates online or by contacting a Mortgage Loan Officer for a rate quote.

Use our home affordability calculator to get an estimate of how much house can fit comfortably within your budget.

We get the question a lot, but there's no right or wrong answer as it depends on a variety of factors. For starters, try our rent vs. buy calculator to compare the costs between renting and buying. Next steps would be to contact a Mortgage Loan Officer who can offer you even more guidance and advice based on your financial needs and goals. 

Yes! Affinity offers mortgages in all 50 states. So, whether you are looking for a new home near or far, we have you covered.

Yes! Affinity offers jumbo mortgages for loans above $647,200 and high-balance mortgages for loans above $970,800.

All home lending products are subject to program eligibility, collateral requirements, and credit review and approval. Program terms and conditions subject to change without notice.

1. The HomeAdvantage program is a feature available to members by third party provider, CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for the Cash Rewards if they use an agent outside this network. An Affinity Federal Credit Union mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Please allow up to 45 days after closing for a credit. Rewards can be paid in the form of a check at closing or as a credit to closing costs, depending on loan terms and conditions. Cash Rewards incentives are available as applicable by state law; however, are void where prohibited by law or by the lender. Please consult with your credit union representative for additional details of the program.