Traditional Mortgages

Get Started With Two Paystubs!

You read it right! At Ascentra, in most cases you can get online instant pre-approval with just your last two paystubs. This means you spend less time filling out unnecessary paperwork and more time shopping for your dream home.

So what are you waiting for? Apply online today and a Mortgage Expert will be in contact with you to go over your next steps.

Apply Now


Ascentra welcomes the use of Individual Tax Identification Number (ITIN) for most Mortgages.

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Home Loans

Whether you're a first-time home buyer, refinancing or upgrading to your dream home, we've got the plan for you.


We offer a variety of home loans that range from your traditional 15, 20, or 30-year fixed to our new, custom designed 10 & Done Mortgage Freedom Loan, so you can pay off your mortgage quicker and save at the same time (check out the deets below on this sweet deal). If those don’t work, we have adjustable rate mortgages, FHA, VA, and other government loans. Sit back and relax, Ascentra's got your back!



In addition to low rates, fewer fees and step-by-step personalized service, we offer:


Blue Hand With Money Quick and Easy Pre-Approvals:
 Online application available 24/7 with Instant pre-approval


Blue Building

 In-House Underwriting:
 That means no waiting for an underwriter in a different area of the country to make a decision or approve an appraisal.


Blue Lock  No Rate Bumps:
 If you qualify for a conventional mortgage with us, you qualify for the lowest rate available regardless of credit score, down payment, loan- to-value ratio or loan size.


Blue Phone In House Servicing:
 Payments and questions are handled locally by Ascentra staff.


House with dollar sign Competitive Private Mortgage Insurance Premiums: 
 Options are available, including single-payment premiums that could be paid by the seller.


Blue Tower Full Suite of Loan Products:
 This includes first-time home buyers, investment properties, construction, and government loans. We will find the best fit for you!

10 & Done!

Our 10 & Done Mortgage Freedom Loan now gives you more options when buying or refinancing with a rate that beats our traditional 15, 20, and 30-year mortgage offerings. 

The 10 & Done loan is perfect for those who have a low balance with their current mortgage and don’t want to pay higher costs by refinancing. It’s also great for those who are purchasing and want to be mortgage-free in 10 years while getting our lowest mortgage rate and no appraisal fee.

You can also free up some of your home’s equity and use that money however you wish.  Just like traditional mortgages, the 10 & Done gives you the option of having an escrow account that makes paying your insurance and taxes automatic.


Mortgage officer with happy family

FHA and Government Programs

Ascentra offers FHA Loans, VA Loans and USDA Loans through our partnership with Premier Lending Alliance* giving you the mortgage option that is right for you!


  • Federal Housing Authority (FHA) loans
  • Veteran Affairs (VA) loans
  • United States Department of Agriculture (USDA) loans
  • Jumbo loans and investment property loans
  • Zero down payment options available

To get started, contact any of our Mortgage Experts at 1-800-426-5241 ext. 281

*Subject to income and location requirements

*May be subject to pricing adjustments and other fees *In-house servicing not available through Premier Lending Alliance.

First-Time Home Buyer's Grant

We know buying your first home can be financially stressful, that's why we're here to help. When you're an eligible first-time home buyer with Ascentra, we give you $15,000 to put towards your down payment or closing costs*!


For reference, average Ascentra closing costs are between $2,000-$2,500. Meaning, you could have $12,500+ left over AFTER having paid all of your closing costs! That's just extra moolah that you could put towards your down payment or in your escrow account.


Contact one of our Mortgage Experts to get pre-approved with just two pay stubs!


*While grant funds are available

Mortgage FAQ's

  • What do you need to get started?
    We can often get a quick pre-approval with as little as your last 2 pay-stubs!  

    Other documentation we may need depending on your situation includes:
    • W-2’s
    • Asset Statements
    • Other documents needed will be determined after assessing your individual situation.
  • Is there a cost to get Pre-Approved?
    Not with us! In addition, we have an online instant pre-approval available. All you need to do is submit your application online and it will generate a letter instantly if you qualify.
  • What factors go into the interest rate I get?
    It is common to have different things affect your interest rate like credit score and the amount of down payment – whether it is 5% or 20%. Once approved, at Ascentra Credit Union the interest rate listed on our website is the interest rate we can lock for a 15, 20 and 30 year fixed mortgages. 

  • Will I be able to make my payment to Ascentra?
    Yes!  We retain your servicing so you will make your payment to us on all conventional loans.

Free Virtual Home Buyers Education Seminars

If you're buying a home and need a little assistance, our Mortgage Experts are here to help. Join us for a free home buyers education seminar where you'll learn about the home buying process, mortgage loan options, requirements and qualifications, and get helpful tools.



  • Mortgage (ARMs)

    Loan TypeTerm Rate            APR
    5/1 Adjustable Rate Mortgage15, 20 or 30 Years6.500%6.931% APR
    10/1 Adjustable Rate Mortgage15, 20 or 30 Years6.750%6.933% APR


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