Alert: Please DO NOT DESTROY your AFFCU debit card. Continue to use it through December 30, 2025. Please click here for more information about the debit card transition.

Holiday Closure: All branches and call center will be closed beginning at 1pm on Wednesday, December 24th and will not reopen until normal business hours on Friday, December 26th. You will still be able to access your account information via online and mobile banking.

Click here for the latest information regarding the merger with Freedom FCU.

Starting December 31, 2025, the Atlantic Financial FCU website will no longer be available and all visitors to this website will automatically redirect to the Freedom Federal Credit Union homepage.

Atlantic Financial Home Loans

Home Loans

Your Partner To Buy, Refinance, Or Improve Your Home

Home Financing Solutions Made Easy

Whether you’re looking to buy a new home, refinance an existing home loan, or want to leverage the equity built in your house, AFFCU’s home financing solutions are right for you.

Effective December 1, 2025, all new home loan applications will be initiated with Freedom Federal Credit Union’s mortgage team.

Home Purchase

Whether upsizing, downsizing, or looking to right size your mortgage, AFFCU has mortgage options to fulfill your needs.

Review Our Mortgage Solutions

Home Refinancing

You’ve got a great house but a better rate may be available. A mortgage refinance could lower your mortgage payment, saving you money every month.

Learn More About Refinancing Your Mortgage

Home Equity Line-of-Credit

You’ve made a significant investment in your home. Leverage the equity you’ve built to get recurring access to funds you need for improvements or other major purchases. Rates as low as 7.00% APR*.

Learn More About Our Home Equity Line-of-Credit

Home Equity Loan

Get access to the funds you need for home improvements, debt consolidation, or any other need by leveraging the equity in your home. Rates as low as 6.24% APR*.

Learn More About Our Home Equity Loans

Have questions or want to talk to us about home loans?

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(410) 584-7474