Mortgage
mortgage loans
Mortgage loans and payments will remain the same. You will continue to make payments through TruHome. During System Integration, you will still be able to make a payment from your ALLIANCE account. Automatic recurring mortgage payments will continue to draft out of your account uninterrupted.
Prepare for System Integration
ACCESSING YOUR MONEY
During System Integration (5:30pm Friday, October 30 – Sunday, November 1), all systems will be down. Employee and member access to account information will be down until systems resume Monday, November 2. This includes in-branch transactions, Online & Mobile Banking, some card transactions, and ATMs.
Most services will resume on Monday, November 2. Our team will be ready to assist you and answer any questions you may have. Please monitor your accounts closely and allow until end of day Wednesday, November 4, (48 hours after System Integration), before contacting us about account discrepancies. During this time, weekend transactions may still be pending, and duplicate transactions will be automatically reconciled.
DEBIT & CREDIT CARDS
We anticipate your United Texas cards will continue to function normally through System Integration weekend. However, some transactions may not process due to the System Integration.
During System Integration, we recommend having a secondary payment method available. P2P payments such as Venmo, Zelle, PayPal, and Apple Cash will be accessible up to $500 a day.
Please be aware of your account balance prior to System Integration and understand if you spend more than your account balance during System Integration, you will be responsible for paying back the over-drafted funds plus applicable fees.
You can activate your new ALLIANCE debit or credit card as soon as you receive it and begin using it on Monday, November 2. You will be required to set a new pin upon activation.
Cash
We recommend that members withdraw some cash for their weekend plans no later than close of business Friday, October 30 as our systems will be down beginning 5:30pm Friday, October 30. Plan ahead.
INSTANT ISSUE INTERRUPTION
Due to System Integration, our branches will pause issuance of Instant-Issue Debit or Credit cards from October 15 - November 16. Your new card(s) will be mailed to you starting October 16.
If you have not received your new card by November 16, please contact us.
LOST/STOLEN Cards
In the unfortunate event of a lost or stolen debit/credit card, please contact us immediately. We will do our best to get you a new card as soon as possible.
Mortgage Loans
When you're ready to make a big move,Â
we're here to do some heavy lifting.
Conventional Loans
Conventional loans are the most common type of mortgage and are generally best suited for borrowers with strong credit scores and stable finances.
H.O.M.E. 100
ALLIANCE Credit Union’s H.O.M.E-100 program, short for Home Ownership Made Easy, provides 100% financing on loans up to $525,000, with no down payment needed. It’s not just for first-time buyers, anyone can qualify.
Construction Loans
When it comes to building your own home, nothing compares to the freedom of creating a space that fits your vision, lifestyle, and future. At ALLIANCE Credit Union, we offer construction loans designed specifically for individual homebuyers who want to take the custom route.
VA Loans
Your service deserves more than just gratitude. At ALLIANCE Credit Union, we are proud to support veterans, active-duty service members, reservists, and eligible military spouses by offering access to VA Home Loans.
USDA Loans
Looking to buy a home in a rural or suburban area? With a USDA home loan, you could close with as little as $0, making homeownership more accessible than ever.Â
Self-Employed Options
At ALLIANCE Credit Union, we understand that success doesn’t always come with a W-2. That’s why we offer home loan solutions tailored for self-employed borrowers.
FHA Loans
Looking for a smoother path to homeownership? FHA loans offer low down payments and flexible credit requirements to help you get the keys faster.