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Mortgage Loans

AAACU wants to be your trusted financial partner through all of life's steps. If you are looking to purchase your first home, refinance, build, or remodel AAACU is here for you with our variety of home loan products.

Fixed Rate Mortgage

  • Available in 10-year, 15-year, 20-year, and 30-year terms
  • Low costs
  • Low fixed rates 
  • 80% financing available

Balloon Mortgage

  • Available in 5.5-years, 7-year terms, and 10-year terms
  • Monthly Payment based on a 30-year term
  • 80% financing available

First Time Buyer

  • Rural Development loan program
  • 101% financing available

Construction Loan

  • Apply and Close one time

Vacant Land Loan

  • Available in 10-year,15-year, 20-year fixed rate term
  • Available in 5.5-year,7-year, and 10-year balloon term

Home Equity Loan

  • Available in 10-year or Revolving terms
  • 80% financing available





Meet Our Mortgage Originators

Annah Shelia

Annah Orban

P: 989-354-1601

C: 989-464-0234

NMLS# 422843

Sheila Pahl

P: 989-362-7980

C: 989-884-1076

NMLS# 988040



Federally insured by NCUA.