Mortgage Loans
Whether you're buying your first home or upgrading, Argent Credit Union offers home loans and mortgage options designed to make financing simpler—with competitive rates, low down payments, and terms that fit your goals.
Apply for a Home LoanBenefits of Argent Credit Union Mortgages
We offer a range of home loans to support different financial situations, with consistent benefits that make homeownership more accessible.
Competitive Rates
Benefit from mortgage rates structured to keep long-term borrowing costs lower.
Affordable Down Payments
Get into a home sooner with down payment options starting as low as 3% for qualified borrowers.
No Application Fees
Keep upfront costs lower with no application fee, so more of your money goes toward your home.
Terms to Suit Every Budget
Choose from a range of loan terms to create a monthly payment that aligns with your goals.
5/5 Adjustable Rate Mortgage
Our 5/5 Adjustable-Rate Mortgage (ARM) starts with a lower initial interest rate, which can help increase your purchasing power. The rate remains fixed for the first five years, then adjusts every five years, with changes capped at 2% per adjustment.
Conventional Mortgage
A fixed-rate conventional mortgage gives you predictable monthly payments and control over your loan term. Choose between 10 and 30 years to balance your monthly payment and long-term interest costs.
Professionals Mortgage
Created for licensed professionals, this mortgage option may allow eligible student loan debt to be excluded from your debt-to-income ratio, making it easier to qualify.
10-Year Fixed Mortgage
Our shortest mortgage term is a strong option if you want to refinance or pay off your loan faster. With no application fee, no closing costs, and lower rates than longer-term options, it’s a popular choice for reducing interest over time.
Jumbo Mortgage
Finance higher-priced homes with loan amounts up to $2 million and down payments as low as 5%, helping you secure the property that fits your needs.
VA and FHA Loans
VA loans offer eligible service members no down payment, no mortgage insurance, and favorable borrowing terms.
FHA loans include lower down payment options and more flexible credit requirements, commonly used by first-time buyers.
Mortgage Refinancing
Refinancing your mortgage can allow you to adjust your loan term, lower your interest rate, or reduce your monthly payment. Many homeowners save thousands over time through refinancing.
Federal Home Loan Grants
We partner with federal programs to offer down payment and closing cost assistance to eligible low- to moderate-income borrowers, helping make homeownership more attainable.
Mortgage Rates
Mortgage Resources
Home Loan Calculators
Estimate monthly payments, compare loan scenarios, and review different home loan options with easy-to-use calculators.
Mortgage FAQs
Find answers to common questions about mortgage options, including down payments, closing costs, and loan requirements.
Understanding Credit Tutorial
See how credit scores are calculated, what factors affect them, and how they influence your home loan options.
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.
Mortgage FAQs
What types of homes can be financed with a mortgage?
Mortgages can be used to finance a wide range of property types, including single-family homes, townhomes, and some multi-unit properties. Certain properties may require specialized mortgage options, such as jumbo loans for higher-value homes or USDA loans for eligible rural areas. Loan structures and requirements may vary by property type.
How much do I need for a down payment?
What costs should I expect at closing?
How do I know how much home I can afford?
Can I pay off my mortgage early?
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.More Borrowing Options
Auto Loans
Finance your next vehicle with affordable rates and flexible terms to keep your payments manageable.
Home Equity Options
Tap into your home’s equity to fund renovations, consolidate debt, or cover major expenses with options tailored to different situations.
Credit Cards
Choose a credit card with low rates and no annual fees to manage everyday spending and unexpected expenses.
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 04/27/26.
*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.
