NOW OFFERING FREE MORTGAGE CONSULTATIONS

Whether you’d like to secure a loan for a new home or lower your monthly payment, now is a great time to speak with Affinity’s mortgage specialist, Victoria Nesbit. We will guide you through the home loan process to make sure you are getting the best loan possible.

_{Rates effective 1/23/2026. Rates shown have no origination fee or lender credit. APR = Annual Percentage Rate. The APR is based on a $200,000 loan amount. All rates are for single-family owner-occupied purchases or rate/term refinances with escrows. Rates based on 780 credit score, 75% loan to value, 45-day rate lock. Actual rates may vary based on credit history, loan-to-value (LTV) ratio, occupancy, and other underwriting factors. All loans are subject to approval. Rates are subject to change without notice. Affinity Credit Union is not responsible for typographical errors or omissions. Other loan terms may be available, please contact our mortgage department. Affinity Credit Union NMLS ID# 474043.}

MEET VICTORIA

Meet Victoria, Affinity Credit Union’s newest Mortgage Loan Officer!
With 15+ years of experience in real estate, finance, and lending, including more than a decade as a real estate agent, Victoria understands the homebuying process from every angle.

She’s passionate about helping Iowans feel confident and supported, whether it’s your first home or your next chapter. Honest guidance, clear communication, and personalized solutions are at the heart of her approach.

When she’s not working with members, Victoria enjoys riding Iowa’s beautiful bike trails with her husband and daughter.

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HOME BUYING OPTIONS

Our in-house mortgages offer flexibility and the security of knowing that your mortgage is held and serviced by your trusted lender, Affinity Credit Union.

First-Time Homebuyer

We offer low down payment options with up to $15,000 in down payment assistance for qualified first-time home buyers. Funding is limited and available on a first-come, first-served basis.

Conventional

The most common financing option. Conventional loans offer fixed and adjustable interest rates and a variety of terms. They offer a minimum of 3% down but Mortgage Insurance is required if the down payment is less than 20%. Typically, these loans will have the lowest costs.

USDA/FHA/VA

Also referred to as “Government loans”. These loans are backed by agencies of the Federal Government and allow for broader qualifications and lower down payments. They are great options for first-time buyers and buyers with blemished credit. USDA and VA loans offer 100% financing. FHA’s minimum borrower’s contribution is just 3.5%. Costs may be higher with these loans, but the programs allow some of those costs to be financed. Each program has specific guidelines for qualification, give us a call we would be happy to discuss these options with you.

Home Refinancing Options

The equity in your home is a valuable asset. There are many ways to use that equity for your benefit; debt consolidation, re-investment, and home improvement are just a few. Regardless of the current interest rate environment, a refinance may be beneficial to you. We would be happy to provide a free review of your situation and advise you of the options available.