Mortgage Loans


ACFCU continues to add products and services that benefit our Members. We are excited to announce we now offer Mortgage Loans! Are you shopping for a new home? Or do you want to refinance your current mortgage at a lower rate? We’d like a chance to earn your business!

Our team is dedicated to helping you build a mortgage solution that works perfectly for your individual budget, lifestyle and goals.

All mortgage programs are not the same, and it’s important to understand the differences. Whether you're buying your first home, making your next move or simply refinancing, ACFCU has the terms, features and options designed to make getting a mortgage easier. Let us help you understand all the choices you have when it comes to a home mortgage.

Call today and visit with our loan officers for more details or to get your loan underway. You can reach us during normal business hours at 501-315-5626.


Purchase Document Checklist

The following items are required in order to complete your mortgage loan application:

  • Driver's license for all applicants

  • Social security card for all applicants

  • Paystubs for the last consecutive 30 days for each applicant

  • W2s for the last two years (for all jobs) for each applicant

  • Personal federal income tax returns (including all schedules) for last two years signed/dated by each applicant (state returns not needed)

  • Any and all current award letters for Social Security, disability, and/or pension(s) income

  • Most recent two months checking and savings statements (must include financial institution, full name, full account number, and all pages - online screenshots not accepted)

  • Most recent statements for any 401 (k), retirement, and/or investment accounts (must include name of financial institution, full name of borrower(s), full account number, and all pages - online screenshots not accepted)

  • Complete purchase agreement (all pages and all addendums)

  • Copy of cleared earnest money check (front and back)

  • Realtor contact info

  • Homeowner's insurance declaration page or agent contact info

  • If applicable, completed gift letter and corresponding documents (donor's full bank statement, proof of transfer, recipient's full bank statement showing deposit)

  • If applicable, complete federal business tax returns (including all schedules) for last two years for self-employed

  • If applicable, complete copy of divorce papers

  • If applicable, child support income - six months of bank statements showing receipt of income

  • If applicable, bankruptcy and discharge papers


Refinance Document Checklist

The following items are required in order to complete your mortgage loan application:

  • Driver's license for all applicants

  • Social security card for all applicants

  • Paystubs for the last consecutive 30 days for each applicant

  • W2s for the last two years (for all jobs} for each applicant

  • Personal federal income tax returns (including all schedules} for last two years signed/dated by each applicant (state returns not needed)

  • Any and all current award letters for Social Security, disability, and/or pension(s) income

  • Most recent two months checking and savings statements (must include financial institution, full name, full account number, and all pages - online screenshots not accepted

  • Most recent statements for any 401 (k), retirement, and/or investment accounts (must include name of financial institution, full name of borrower(s}, full account number, and all pages - online screen­shots not accepted}

  • If applicable, complete federal business tax returns (including all schedules} for last two years for self-employed

  • If applicable, complete copy of divorce papers

  • If applicable, child support income - six months of bank statements showing receipt of income D If applicable, bankruptcy and discharge papers

  • Copy of mortgage note(s)

  • Copy of most current mortgage statement(s)

  • Homeowner's insurance declaration page or agent contact info