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Since 2002, our mortgage partner, Pivot Lending Group, has partnered with credit unions across the country. This partnership has made us acutely aware that choosing the right mortgage partner for our members is a vitally important decision. We always strive to set the standard for our members and Pivot Lending Group has built a proven and time tested portfolio of lending options that allows it to customize the level of service that best fits member needs. Our dedication to providing the highest level of service is the cornerstone of our success which is why we choose to partner with Pivot Lending Group, NMLS# 109995.

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15 year or 30 year Mortgages

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First Time Home Buyers

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FHA/VA

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Refinancing

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Mortgage Loan Checklist

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Calculate your payment

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Mortgage Amount
$
$
Sample Fixed Rate
%
Term (Years)
Advanced Options

This calculation represents an estimate

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I have never had a bad moment at Alta! I've done loans, different accounts etc. and everyone is just terrific!!

— Dolores K

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Advanced Options

Property Tax Rate

The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.

%

Homeowners Insurance (Monthly)

The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.

$

HOA Fees (Monthly)

These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.

$

Private Mortgage Insurance Rate

The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.

%

Disclosure

This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.

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