Make Your Dream Home a Reality!

The home-buying process can be lengthy and stressful. You need a partner who wants the process to go smoothly so you open the door with excitement rather than stress.

We consider our members family. Our loan officers are well-experienced and understand the numerous challenges of buying a home. We’ll sit down with you, determine the right loan for your budget, and help you with the essential pre-approval process.

Soon enough, you'll have a home you love with a payment plan you're comfortable making.

Whether you’re buying your first home or refinancing your current mortgage, we’re ready to help you!


What makes us different than other lenders? We don’t charge any of the fees most mortgage lenders do. We also don’t collect your monthly allocation for property taxes and insurance.

We offer:

  • Fast approval time
  • Very competitive pricing: low closing costs, no points, and often no escrow account
  • Pre-approved loans
  • A variety of term lengths to suit your needs
  • Mortgages for first-time home buyers

Do You Know About Our New 10-Year Mortgage?

With a rate as low as 6.50 APY, this new mortgage will surely be among our most popular mortgage loans!

This mortgage is ideal for you if you're currently on a long-term loan and have built up at least 50% equity. Your payment could be lower, and your house may be paid off sooner than expected.

This mortgage is for new money only. PAFCU members with a mortgage financed elsewhere are eligible. Members with a current PAFCU mortgage are ineligible. You may select a longer term, but the rate is fixed only for the first ten years. If the loan is not paid in its entirety at the end of the ten years, the mortgage will be refinanced at our current rates and terms at that time.


Home Equity Loans & Home Equity Lines of Credit

Have you been in your house for a few years and have equity built up in your home’s value?

A home equity loan or HELOC might be a great option to help finance a major purchase such as a home improvement project, a great pool, or a large wedding. Many choose to save money by refinancing high-rate debt. 

We'll help save you money today if you have a good reason.

Our Home Equity Rates Are Still Competitive!

The Federal Reserve has continually raised the prime rate in the last few years to help stabilize the economy. Unfortunately, if you have a home equity product elsewhere, your monthly payment is also climbing.

Now is the perfect time to bring that loan or line of credit to PAFCU!

Our Home Equity Loan rates are now as low as 8.00% APR.

Our Home Equity Line of Credit rates are as low as 7.75% APR.

Home Equity Loan Features:

  • Low Rate Provides Peace of Mind
  • Low Term Helps Save Money
  • Interest Paid May Be Tax Deductible*
  • One-Time Loan
  • Easy Application Process

Home Equity Line of Credit Features:

  • Very Competitive Rates Keeps Money in Your Pocket
  • Money May Be Drawn When You Need It
  • Interest Paid May Be Tax Deductible
  • Easy Application Process

* Consult your tax advisor for a potential tax deduction. APR = Annual Percentage Rate. $5,000 minimum draw.  Each member's creditworthiness determines rates, the term of the loan, and equity in the home. 

To complete a mortgage or home equity application form, please stop by our Troy Branch.

Questions? Contact our loan department at (248) 619-0440.

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