Alliant Credit Union · Credit union
Alliant Credit Union
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: Fixed rate mortgages available in all states except Maryland.
Our take: Pros & Cons
What we like
- No application fee
- No prepayment penalties
- Conventional, FHA, VA, jumbo and medical-professional products are listed
What to consider
- Fixed-rate and listed ARM products exclude Maryland
- All loans subject to approval and borrower qualification
- Advertised rates and payment illustrations have different assumptions
AI-generated lender-level assessment based on published information. Not a verified assessment of Adjustable Rate Mortgage (ARM); confirm program-specific conditions below.
Newcomer requirements
Adjustable Rate Mortgage (ARM)
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- State restrictions
- 5/6, 7/6 and 10/6 adjustable rate mortgages available in all states except Maryland.
View full lender requirements
- State restrictions
- 5/6, 7/6 and 10/6 adjustable rate mortgages available in all states except Maryland.
- Other conditions
- 48. APR=Annual Percentage Rate. 5/6, 7/6 and 10/6 adjustable rate mortgages available in all states except Maryland. Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Origination fee is $1,200. Loans with a down payment less than 20% may require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. The 5/6, 7/6 and 10/6 ARMs offer a fixed rate for the initial period of the loan and adjust to a 6 month ARM after that period. The interest rate and monthly payment may adjust bi-annually based on the 30 day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% life time cap. 7/6 ARM Payment for a $400,000 loan with a 6.75% rate and 6.911% APR, the first 84 payments are $2,594.39 with 275 payments at $3,814.98 if the rate adjusts to the maximum of 11.75%, with one remaining payment at $3,809.41. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Purchase rates may differ from refinance rates.
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
Adjustable Rate Mortgage (ARM)
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Adjustable Rate Mortgage (ARM)
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Alliant mortgage options include fixed-rate and adjustable-rate loans, with online applications and support from mortgage loan officers.
Legal lender: Alliant Credit Union
Lending channel: Direct lending
Provider type: Credit union
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 197185
More lender directory information
Direct application information ↗
Fixed rate mortgages available in all states except Maryland.
Directory verified: 2026-10-28 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 28, 2026
- Official lender source · Last checked Oct 28, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.