Mortgage Loans
If you’re buying your first home or upgrading to your forever home, Argent Credit Union makes it easier with lower rates, smaller down payments, and terms built around your goals.
Benefits of Argent Credit Union Mortgages
Our home loans come in every size and shape to suit your needs.
Competitive Rates
Save money with a low APR and relax knowing you can always refinance in the future.
Affordable Down Payment
Our down payments start at just 3% so you can buy a home sooner.
No Application Fees
We charge fewer fees so more of your money goes towards your home and other expenses.
Terms to Suit Every Budget
Get the right monthly payment for you with terms from 10 to 30 years.
5/5 Adjustable Rate Mortgage
With a lower interest rate than you will find with most Conventional Loans, our 5/5 Adjustable Rate Mortgage (ARM) gives you exceptional borrowing power.
Enjoy a fixed interest rate for the first five years. After that, the mortgage rate is variable, but will not increase or decrease more than 2% every five years for the remaining loan term.
Conventional Mortgage
Tailor the terms of your loan to meet your needs with a fixed-rate Conventional Mortgage Loan.
Whether you want the lowest monthly payment or aim to build your home equity as quickly as possible, this loan offers it all. Choose terms between 10 and 30 years to fit your budget and your future plans.
Professionals Mortgage
Licensed medical, engineering, finance, law, and research professionals often have higher student loan debt burdens than other professions.
We understand that, and have a mortgage option to meet your needs. This loan excludes student loan debt from your debt-to-income ratio.
10-Year Fixed Mortgage
Our shortest home mortgage loan term is perfect if you want to refinance or are nearing retirement.
With no application fee, no closing costs, and rates lower than our 20- or 30-year terms, this is one of our most popular mortgage loans.
Jumbo Mortgage
Designed for those who want to buy a home for a higher total amount while still enjoying affordability and convenience.
Our Jumbo Mortgage Loan, with loan amounts up to $2 million and down payments as low as 5%, is the perfect way to finance your dream home.
VA and FHA Loans
We admire our U.S. service members’ unwavering dedication, commitment, and selflessness. That’s why we offer VA loans with no down payment, no mortgage insurance, and affordable rates to our military community.
We also offer FHA loans with lower down payments and easier credit score requirements than conventional mortgages — ideal for first-time homebuyers looking to put down roots.
Mortgage Refinancing
Refinancing your mortgage lets you change your loan term and possibly qualify for lower interest rates. Most people save thousands of dollars by refinancing their mortgage.
Mortgage Rates
Applying for a Mortgage Is Easier Than You Think!
Fill Out Our Online Application Form
Use our simple online portal to give us information about you and your financial situation.
Pre-Qualify for Your Mortgage
A Mortgage Loan Officer will contact you by the next business day and check that you’re eligible for the loan.
We’ll Guide You Through Closing
Once you’ve found your dream home, we’ll confirm the details of your loan and help you navigate the closing process.
“Love this credit union. Always loyal to their customers and have earned my business for life. Always take care of those who take care of you!!”
– Brian W.
“I have been with the credit union for over 20 years! It has always been a great experience with all of the services I have used over the years. I would and do recommend them to anyone looking for a good banking experience!”
– Lou M.
“Seriously, Argent is the best bank I’ve ever been with. Thank you guys for being consistent, friendly, timely and helpful… Money is a sensitive topic, and I love this bank for being understanding and personable.”
– Morgan-Taylor M.
FAQs About Mortgage
What rates will I get for my mortgage?
The interest rate and annual percentage rate (APR) you get will be determined by your credit score. The higher your score, the lower your mortgage rates!
Generally speaking, the APR is slightly higher than the interest rate because it includes some fees. Rolling fees into your APR means you don’t have to pay those fees upfront.
How do I choose the right mortgage term for me?
Do I need to supply any specific information or documents to Argent when I apply?
Do I need to become a member at Argent to get my mortgage?
Why join Argent?
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Argent Credit Union is an Equal Housing Lender registered with the National Mortgage Licensing System under registration number 421982.
1APR = Annual Percentage Rate. This interest rate is current as of 08/20/25.
*5/5 ARM & Professionals Mortgage Payment Examples
Fixed 5.250% / 5.580% APR for the first five years. No Private Mortgage Insurance. Up to 80% LTV for purchases. Maximum loan amount is $1,000,000. After the five-year fixed-rate period, your interest rate is subject to change – up or down according to market rates at the time of reset and each five years thereafter. Offer applies to borrowers with a credit score of 780 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 5-year Adjustable-Rate Loan at 5.250% / 5.580% APR and 80% loan-to-value (LTV) is $1,215.22. Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 6%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 5 years, the maximum payment is $1,332.12. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater and rates provided are based on current market rates and are informational only. Payments are estimates and include only principal and interest. Some restrictions may apply. This rate is applicable for owner-occupied purchase of a single-family dwelling.
**Conventional Payment Examples:
The estimates below are based on a mortgage loan secured by a single-family home that will be used as a primary residence. Other assumptions include: a loan amount of $200,000.00; an estimated property value of $250,000.00; a rate lock period of 45 days; and an assumed credit score of 780.
30 Year Fixed Rate
At a 6.750% interest rate, an APR of 6.968%, the monthly principal and interest payments would be:
359 payments of $1,297.20 at an interest rate of 6.750%
1 payment of $1,292.74 at an interest rate of 6.750%
20 Year Fixed Rate
At a 6.375% interest rate, an APR of 6.653%, the monthly principal and interest payments would be:
239 payments of $1,476.46 at an interest rate of 6.375%
1 payment of $1,478.78 at an interest rate of 6.375%
15 Year Fixed Rate
At a 6.000% interest rate, an APR of 6.340%, the monthly principal and interest payments would be:
179 payments of $1,687.71 at an interest rate of 6.000%
1 payment of $1,688.73 at an interest rate of 6.000%
10-Year Fixed Rate
At a 5.750% interest rate, an APR of 5.750%, the monthly principal and interest payments would be:
119 payments of $2,195.38 at an interest rate of 5.750%
1 payment of $2,196.11 at an interest rate of 5.750%
The estimate below is based on a mortgage loan secured by a single-family home that will be used as a primary residence. Other assumptions include a loan amount of $1,500,000.00; an estimated property value of $1,900,000.00; a rate lock period of 45 days; and an assumed credit score of 780.
Jumbo Fixed Rate
At a 6.750% interest rate, an APR of 6.774%, the monthly principal and interest payments would be:
359 payments of $9,728.97 at an interest rate of 6.750%
1 payment of $9,730.60 at an interest rate of 6.750%
The above rates are for illustrative purposes only. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are subject to change without prior notice.
