100% financing/zero down purchases – These are really one and the same. The rate can be slightly higher but it can get you in your new home. With the price of houses these days a down payment can be high. A 5% down payment on a $300,000.00 home is $15,000.00.

FHA – Federal loan 3% down payment can be all gifted. One to four family homes acceptable.

VA – For members that are also Vets you have the advantage of zero down payment, competitive rates and judgemental decisions on credit will be made-not just use of FICO scores.

Stated income/no ratio – Loans approved without the benefit of verifying incomes. Example-self employed borrowers.

Vacation/Second home – All homes in New England and Florida acceptable.

Consolidation – If your credit is not as good as you need it to be and you want to decrease monthly payments-Excellent programs available.

Conventional – FANNIE MAE-FREDDIE MAC rate loans.

Jumbo loans – up to 2 million dollars.

Investment – 1-4 family homes-FANNIE MAE-FREDDIE MAC and portfolio products.

Construction – One time closing-interest only on construction up to 1 year.


Brotherhood Credit Union uses Allanach Associates to process these mortgage products. This enables the credit union to offer the most competitive rates. To apply for a mortgage; you will click here and be taken to the Allanach Associates web site. Complete the application online. Please reference Brotherhood Credit Union when making your application. If you email the credit union that you have filed an application, we will follow up on it for you.