Expert help, right where you live.

Mortgage Loans

Contractors, moving boxes, yardwork, gutters— homeowners have enough on their plates. It’s why we make the lending process as straightforward as possible. With competitive rates, fast pre-approval decisions and a variety of mortgage products, we can help you find the mortgage that’s right for you.

Meet your team.

product image

Home Purchase

Your next home starts here.

Whether it’s your first home or your next one, buying a home has never been easier!

FEATURES & BENEFITS

  • Conventional, FHA and VA mortgage loan options
  • Fixed Rate and Adjustable-Rate products
  • Down payment options as low as 3%
  • Start the search for your new home by viewing up-to-date MLS listings
  • Connect with top local real estate agents through the HomeAdvantage program
  • Click here to learn how to earn cash rewards by working with a HomeAdvantage agent

Current Rates

mortgages@winabreak.net1

703.526.0200 x2

Apply Now

Refinancing

Find a better rate and save thousands.

Life changes. Mortgages should too. Refinance and you may achieve financial flexibility, reduce your monthly payments, adjust the length of your loan or even cash out on your existing loan.

FEATURES & BENEFITS

  • Lock in a rate that fits your needs today, not yesterday
  • Conventional, FHA, and VA options available
  • Available for primary residence, second homes, investment properties
  • Available for single-family homes, townhomes, PUDs and condos
  • Accessory dwelling unit (ADU) financing options available

Current Rates

mortgages@winabreak.net1

703.526.0200 x2

Apply Now
product image
product image

HomeAdvantage Resources

Your shortcut to a smoother home journey.

Buying or selling a home can be overwhelming, but it doesn’t have to be. ACFCU partners with HomeAdvantage to give you everything you need to succeed.

FEATURES & BENEFITS

Learn More

Reverse Mortgages

Borrow money based on the equity in your home.

A reverse mortgage is a unique loan that allows you to convert a portion of the equity of your home into tax-free funds2, giving you greater financial flexibility and stability for the future.

It can be a smart and safe way to convert the equity in your home into retirement income.

If you are a homeowner 62 years or older contact a reverse mortgage specialist, Kimberly Petrey, to see if a reverse mortgage is right for you3.

FEATURES & BENEFITS

  • Supplemental retirement income
  • Make home repairs or modifications
  • Pay for medical or long-term costs
  • Delay collecting Social Security, for a larger monthly benefit
  • Establish a line of credit that you can tap into as needed
  • Purchase a new home

Depending on your qualifications and eligibility, you can receive your funds in a lump-sum distribution, a line of credit, monthly or term disbursements, or any combination of these payments.

To learn more about how a reverse mortgage can benefit you, please contact a reverse mortgage specialist:

Kimberly Petrey

NMLS# 392902

888.774.9361

kpetrey@cumortgage.net1

contact kimberly
product image
product image

Down Payment Assistance

For first-time homebuyers & community partners.

We believe in the communities we serve. It’s why we work with a number of organizations to provide low- and no-down payment loan assistance programs to low-income and first-time homebuyers.

FEATURES & BENEFITS

  • Available to eligible first-time homebuyers and qualified community partners such as law enforcement officers, educators, firefighters and healthcare workers
  • Get up to $4 for every $1 saved (maximum is $5,000 for first-time buyers; $7,500 for community partners)
  • First-time homebuyers must also complete a financial literacy course
Learn More

We’re with you, every step
of the way.

From buying your first home to refinancing your current one—or anything in between—ACFCU is here with local expertise, smart tools, and personalized support to help you move forward with confidence.

Logo for Fast answers

Fast answers

From pre-approval to closing in under 30 days4

Logo for Step-by-step guidance

Step-by-step guidance

Our mortgage experts are never too busy to talk

mortgages@winabreak.net1

703.526.0200 x2

Logo for Tips & tools

Tips & tools

From checklists to how-to guides, find the info you need here

Meet Your Team

lender pic

Chantal George

Mortgage Loan Officer

NMLS# 1837352

Please do not submit your account number or social security number via email or contact form. Information sent is at risk of loss of confidentiality if the information is transmitted over the internet.

Why Remarkable Service
is Right For You

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

Loan and membership requirements apply. Federally insured by NCUA. Equal Housing Lender. NMLS# 477974. ACFCU does not finance land-only purchases.

1Please do not submit your account number or social security number via email or contact form. Information sent is at risk of loss of confidentiality if the information is transmitted over the internet.

2Please consult your tax advisor.

3Credit Union Mortgage Association (CUMA) is a third party and we do not offer or accommodate this loan program, only refer. Kimberly Petrey is not an employee at Arlington Community Federal Credit Union.

4The timeline from pre-approval to closing can vary and depends on each individual scenario.

Not all applicants will qualify.