Mortgage Loans
Mortgages to Help You Live Your Homeownership Dream
Buying a home may be the biggest purchase of your life! You can trust APCU/Center Parc to make it easy with first-class service. We also offer refinancing, second mortgages, and home equity lines of credit to help you make the most of home ownership. Many of our mortgage options are detailed below.
Fixed-Rate Mortgages1
Purchase the home you want at a competitive rate that’s fixed for the life of the loan for predictable monthly payments. Our knowledgeable lenders will work with you to customize the loan terms and down payment to suit your precise needs.
- Terms up to 30 years1
- Competitive fixed rates for low monthly payments
- Low closing costs
Adjustable-Rate Mortgages (ARMs)2
ARMs offer a low, fixed interest rate for up to 15 years and then adjust to the market rate for the duration of the repayment period, ensuring lower monthly payments up front that make it easier to realize the dream of homeownership. We even offer options that help you reduce your rate—at no charge—if market rates decline, including float-down options that allow you to lower your rate if market rates decrease.
- Enjoy lower initial rates with lower payments than comparable fixed-rate mortgages
- Get a fixed rate for the first 15 years, the payment will increase after that period
- Rate modifications available anytime for a low flat fee
- Lock in your rate for 60 days
- Low closing costs
- Refinancing options are available
VA Mortgages3
A VA Mortgage Loan is insured by the United States Department of Veteran Affairs. It allows American veterans, individuals currently serving in the U.S. military, reservists, and eligible surviving spouses to purchase or refinance a home with no down-payment required. Some of the other benefits of a VA Mortgage Loan include:
- Up to 100% financing
- Fixed rate (payments stay the same through term)
- No Private Mortgage Insurance (PMI)
- Low closing costs
- Competitive interest rates
- No pre-payment penalties
The Community Partners Homebuyer Program1,4
We offer access to up to $15,000 in homebuying assistance for current or retired law enforcement officers, educators, health care workers, firefighters, other first responders, veterans, active-duty members of the military and their surviving spouses. Funds can be used toward the down payment and closing costs associated with the purchase of a primary residence. This program requires you to contribute at least $1,000 toward the purchase and complete a homebuyer education and financial literacy program.
Mortgage Refinancing1
Want to lower your interest rate, change the terms of your loan, or combine two current mortgage loans into one? We offer mortgage refinancing (including VA mortgages).
Second Mortgages1
You can use your house as collateral for another loan. A second mortgage can be used for a variety of purposes, including debt consolidation, educational expenses, home improvements, and more.
Get Started
Experience peace of mind knowing your mortgage is financed with people you know and trust. Our mortgage experts are on hand to help you find the mortgage program that works best for you.
Check out our low Mortgage Rates.
Contact a Mortgage Loan Officer.
Not a member yet? Find out if you’re eligible to join!
For more information or assistance, visit one of our convenient branch locations or call (800) 849-8431. APCU/Center Parc is an Equal Housing Opportunity Lender
1Credit union membership eligibility and credit qualifications apply. The rate may vary depending on each individual’s credit history and underwriting factors. NOT ALL APPLICANTS WILL QUALIFY NOR WILL ALL APPLICANTS QUALIFY FOR THE LOWEST RATE. APR – Annual Percentage Rate. Payment Example: Based on a $350,000 home purchase with 5% down and no points, the monthly payment on a 30-year mortgage at a 7.758% interest rate, APR of 7.875% would be $2,383.91, paid over 360 months. Payment example does not include taxes, insurance, or PMI; actual payment obligation may be greater. Rate listed is for a first-lien purchase mortgage on owner-occupied single-family detached primary residences only. Rate is effective as of July 1, 2025. Consult a tax advisor for information regarding the deductibility of interest and charges. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply.
2Credit union membership eligibility and credit qualifications apply. The rate may vary depending on each individual’s credit history and underwriting factors. NOT ALL APPLICANTS WILL QUALIFY NOR WILL ALL APPLICANTS QUALIFY FOR THE LOWEST RATE. APR – Annual Percentage Rate. APR is subject to increase or decrease. ARM – Adjustable-Rate Mortgage. ARM is a fixed rate mortgage loan for the first 15 years and adjusts in the 16th year. The adjusted interest rate will be equal to the 10-year U.S. Department of the Treasury, Constant Maturity plus a 1.25% margin, rounded to the nearest one eighth. Payment Example: For a $400,000 15/15 ARM on a primary residence, the initial interest rate is 6.00% with an APR of 6.292%. This results in a monthly payment of $2,398.21 for the first 15 years. After 15 years, the interest rate can adjust once and may increase by up to 6 (six) percentage points, reaching a maximum interest rate of 12.00% with an APR of 12.254%. If this maximum rate is applied, the monthly payment could rise to $4,114.46 starting in year 16. Payments shown do not include taxes, insurance or PMI; actual payments may be greater. There is a 4% lifetime floor interest rate. Rates are effective as of July 1, 2025. Consult a tax advisor for information regarding the deductibility of interest and charges. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.
3Credit Union membership eligibility and credit qualifications apply. The rate may vary depending on each individual’s credit history and underwriting factors. NOT ALL APPLICANTS WILL QUALIFY NOR WILL ALL APPLICANTS QUALIFY FOR THE LOWEST RATE. VA Mortgage Loans are only available on primary residences. APR – Annual Percentage Rate. Payment Example: For a $385,000 home purchase with no down payment and a $9,625 funding fee added to the loan, the total loan amount is $394.625. With no points and a 30-year mortgage at a 6.500% interest rate, APR of 6.834%, the monthly payment would be $2,494.30 for 360 months. Payment example does not include taxes, insurance, or PMI; actual payment obligation may be greater. Rate is effective as of July 1, 2025. You must have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-insured mortgage loan. 100% financing may include an additional funding fee, which may be financed up to the maximum loan amount. The interest on the portion of the loan that exceeds the fair market value of the dwelling is not tax deductible and you should consult your tax advisor. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply.
4Subject to availability of funds from Federal Home Loan Bank (FHLB) Atlanta. Other restrictions may apply.
