You are in the right hands.
Denise is a mortgage loan officer who has worked in banking and mortgage her entire adult life, starting in the late ‘90s. Having worked in this industry in various positions for 24 years, Denise has seen and done it all, which gives her insight into every aspect of the business. Denise is passionate about finding innovative solutions for her clients, no matter how complex, to ensure they get into their dream home. Denise enjoys traveling and spending time with family and friends in her free time. She is a huge dog person and enjoys spoiling her fur babies. Denise’s hobbies include the beach or anything with sun and water. She also enjoys expanding her knowledge of gardening. Lastly, Denise is most grateful to be a grandmother and enjoys attending events in which her grandchildren are involved.
H.O.M.E.-100
Get started today!
With H.O.M.E–100, your path to homeownership is simpler and more affordable. Contact the ALLIANCE Home Loan Center, call 806–776–0991 or visit one of our Branches, to start making your dream home a reality!
SIMPLE & FLEXIBLE LOAN OPTIONS
Choose between two straightforward loan structures:
- 15-Year Fixed Rate: Lock in a consistent payment over 15 years.
- 15/15 Adjustable-Rate Mortgage (ARM): Enjoy a lower initial fixed rate for 15 years, after which rates adjust every 15 years.
COMPETITIVE RATES
Enjoy locked-in rates currently around 6.75% (6.87% APR), subject to credit approval.
ALLIANCE Credit Union’s H.O.M.E–100 program helps you buy a home and may qualify you for no down payment, while still offering a great rate. You can choose a fixed or adjustable-rate loan, both designed to keep your monthly payments affordable.
Because we’re a credit union, we’re focused on helping our members, not making profits. That means lower rates, fewer fees, and honest terms. With H.O.M.E–100, you get up to 100% financing and a competitive rate that makes owning a home easier and more affordable.
ADDED BENEFITS AFTER CLOSING
Once your loan closes, you’ll receive a letter inviting you to choose one of three
complimentary services:
- Appliance Home Warranty
- Homeowners Insurance Deductible Reimbursement
- Identity Theft Reimbursement & Restoration Consulting
Mortgage Loans
When you're ready to make a big move,
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 $375,000, 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.
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.
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.