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Last Updated: 04/18/2025

USAlliance Financial Home Mortgage Loans

from USAlliance Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

Up to $766,550

Loan Term (Years)

Up to 30

USAlliance Financial Home Mortgage Loans Review

USAlliance Financial Home Mortgage Loans is offered by USAlliance Federal Credit Union , a credit union founded in 1966 and based in Rye, NY. USAlliance Financial Home Mortgage Loans are available in 50 states and Washington, DC.

Key Takeaways

Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for USAlliance Financial Home Mortgage Loans.

USAlliance Financial Home Mortgage Loans Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

USAlliance Financial Home Mortgage Loans FAQ

How much can you borrow via USAlliance Federal Credit Union?

USAlliance Financial Home Mortgage Loans allows borrowers to apply for loan amounts of up to $766,550. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with USAlliance Financial Home Mortgage Loans?

USAlliance Financial Home Mortgage Loans offers mortgages with a maximum term of 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does USAlliance Federal Credit Union offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, USAlliance Financial Home Mortgage Loans may charge a loan origination fee .

What property usage types does USAlliance Financial Home Mortgage Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. USAlliance Financial Home Mortgage Loans allows the following property usage types:

Primary home
Secondary homes and vacation properties
Investment properties and house flipping projects

What is the customer service phone number?

The customer service number for USAlliance Financial Home Mortgage Loans is (800) 431-2754.

What is the support contact email?

The support contact email for is memberservices@usalliance.org.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

411 Theodore Fremd Ave

Suite 350

Rye, NY 10580

(800) 431-2754

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:45AM - 4:30PM

Tuesday

8:45AM - 4:30PM

Wednesday

8:45AM - 4:30PM

Thursday

8:45AM - 4:30PM

Friday

8:45AM - 4:30PM

Saturday

9:00AM - 2:00PM

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Credit Score Range

N/A

Amount Range

Up to $1.5M

No Origination Fee

N/A

Loan Term (Years)

5 - 30

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.