At FOCUS Credit Union, we believe that achieving the dream of home ownership should be simple and stress-free. That’s why we’ve partnered with AmeriCU Mortgage to provide our members with a wide range of financing options, competitive rates, and the dedicated support you deserve.
We are here to help, whether you are buying your first home, looking to move, or wanting to refinance your existing property.
Home Financing Options for Every Goal
Through our partnership, you have access to a broad selection of loan programs designed to fit nearly any need, credit profile, or downpayment size.
Conventional Loans
Designed for: General purchase or refinance for a variety of properties.
Key Benefits: Our most popular option. Offers low downpayment options and eligibility for second homes.
FHA Loans
Designed for: First-time homebuyers and low-to-moderate income borrowers.
Key Benefits: More flexible credit guidelines and low downpayment requirements.
VA Loans
Designed for: Eligible Veterans, active military personnel, and military spouses.
Key Benefits: Zero downpayment options and no monthly mortgage insurance required.
USDA / RD Loans
Designed for: Borrowers looking to finance a home in eligible rural areas.
Key Benefits: No downpayment options and low interest rates for qualifying families.
Jumbo Loans
Designed for: Financing for higher-value homes that exceed standard loan limits.
Key Benefits: Loan amounts up to $2 million for luxury properties and competitive markets.
Renovation Loans
Designed for: Homebuyers who want to finance the purchase and cost of repairs in one loan.
Key Benefits: Incorporate major or minor renovation costs directly into your mortgage.
Refinancing Options
Designed for: Current homeowners looking to improve their existing loan.
Key Benefits: Lower your monthly payment, shorten your term, or take cash out for projects and expenses.
Ready to Get Started?
Your journey to home ownership is just a few clicks away! Once you click on the button below you can:
- Check Rates & Apply Online
You can quickly check current rates and submit your application online through the secure AmeriCU Mortgage portal. - Connect with a Mortgage Professional
Need guidance? An AmeriCU Mortgage professional is available to answer your questions and help find the best program for you.
(You will be redirected to the secure AmeriCU Mortgage site.)