1

Home Starts Here

There’s something special about working with people who truly know your community—and know you. At AAC Credit Union, we take a personal approach to home financing, combining competitive rates with real conversations and local decision-making. We’ll walk alongside you, simplify the process, and help you feel confident in every decision you make along the way.

 

GET STARTED

Real Guidance
Clear. Simple. Personal

Strong Rates
Built for your budget

Local Decisions
Right here, not outsourced

Smooth Closings
No unnecessary delays

 

Conventional Fixed Rate Mortgage

When you value consistency, a fixed-rate mortgage just makes sense. Your rate is set from the start, so your monthly payment stays steady no matter how the market changes. We’ll walk you through your options and help you choose a term that fits your life so you can move forward with confidence and focus on what matters most: feeling at home.

  • Interest rate is locked for life of the loan
  • 10, 15, 20 and 30 Year Terms available
  • Fixed payment makes budgeting easier
  • Peace of mind with predictable payments

Lock Your Rate

Adjustable Rate Mortgage (ARM)

Looking for a little more flexibility with your mortgage? An Adjustable Rate Mortgage starts with a lower rate upfront, helping make the early years of homeownership more affordable while giving you options as life changes.

  • Flexible Terms5/1 or 7/1 ARM
  • No Refinance Penalties
  • Rate Adjustment Protection
  • Ideal for Short-Term Plans

EXPLORE ARM

0% Down Mortgage

Buying a home may be closer than you think. With our 0% Down Mortgage option, you can move forward without the burden of a large upfront payment. We focus on making homeownership more accessible, offering flexible solutions and personal guidance to help you take that first step with confidence.

  • No income limits
  • Gift Money allowed
  • Not limited to First-Time Buyers
  • Primary Owner-occupied or Condos
  • Monthly borrower Paid Mortgage Insurance (PMI)

SEE IF YOU QUALIFY

Options Built Around You

From primary residences to vacation properties and investment opportunities, we offer financing to match your goals.

  • Single & Multi-Family Homes
  • Vacation Homes & Cottages
  • Condominiums
  • Manufactured Homes on Secured Land
  • Vacant land with Intent to Build
  • Investor Friendly - Non-Owner Occupied Properties (1-4 Family)

Ready to take the next step?

Let’s make this easy. Complete the short form below and one of our local experts will connect with you soon to talk through your needs and answer your questions. No pressure. No obligation. Just clear answers.

Preferred Contact:
Security Code:

 

Meet the Mortgage Team

Denise Bergsma

 

Denise Bergsma

Mortgage Services Manager

dbergsma@goaac.com

616-459-4429 Ext. 415

NMLS #2069537

CONNECT WITH DENISE

Karen Stein

 

Karen Stein

Mortgage Specialist

kstein@goaac.com

616-842-3147 Ext. 414

NMLS #480558

CONNECT WITH KAREN

Need more help?

Not sure which mortgage is right for you? Our local lenders are happy to walk through your goals and help you decide.

Find a Mortgage Consultant

or call us at 800-858-1633 ext. 450