10-Year Mortgage Loans

With no closing costs and low interest rates, paying your loan off and building home equity is a breeze.

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Benefits of an Argent Credit Union 10-Year Mortgage

Low Rates

Get a lower rate than with 20 or 30-year terms and lock it for the life of your loan.

Save on Closing Costs

When you choose our 10-year term you don’t have to pay closing costs.

Refinance or Cash-Out Refinance

Use our 10-year mortgage to take advantage of a cash-out refinance.

Seasoned Advice

Our mortgage professionals will guide you through the process.

What You Need to Know About a 10-Year Mortgage Loan

A 10-year mortgage loan is an ideal option if you are nearing retirement or just want to pay your loan off much faster than other loan terms.

Here are the details:

  • 10-year mortgage rates are lower than 20 or 30-year terms.
  • You can take advantage of a cash-out refinance with a lower interest rate.
  • You could save thousands of dollars by not having to pay closing costs.
  • Applying is easy with no application or origination fees.

Unlike other loan terms, a 10-year mortgage loan allows you to save money on interest and fees, so you can build your home equity faster.

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10-Year Mortgage Rates

Our 10-Year Mortgage Application Process Is Simple and Secure!


Apply Online

Get your documents ready then enter your details into our user-friendly online portal.


Quick Review

A mortgage loan officer will contact you by the next business day and check that you’re eligible for the 10-year mortgage.


Enjoy Your Low Rates!

Once approved, we’ll confirm the details of your loan and you’ll begin making payments on your new home loan.


“Stress-free mortgage experience.”

– Diane M.Y.

“Seriously, Argent is the best bank I’ve ever been with. Thank you guys for being consistent, friendly, timely and helpful!”

– Morgan-Taylor M., Chester, VA

“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., Chester, VA

10-Year Mortgage Loan Calculator

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FAQs About 10-Year Mortgages

How is a 10-year mortgage different from other mortgage loans?

A 10-year mortgage simply means that your loan term is shorter than with other mortgage types. Shorter terms translate into lower interest rates than you would get with a 20 or 30-year term.

Furthermore, Argent Credit Union 10-year mortgage loan has:

  • No closing costs
  • No application or origination fees

By getting lower rates and fewer fees, you will save money you can use to pay your loan off, building home equity faster.

What rates will I get for my 10-year mortgage?

When should I choose a 10-year mortgage?

Can I refinance a 10-year mortgage at a later date?

What information and documents do I need to give Argent when I apply for my 10-year mortgage?

Do I need to become a member at Argent to get a 10-year mortgage?

Why join Argent?

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Mortgage Resources

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