Making home mortgage loans in St. Louis easier

Planning a wedding. Finding a new job. Buying a home. These are supposed to be life’s most exciting milestones but can also be the most stressful. In fact, more than 65 percent of Gen Z buyers said they were brought to tears by the homebuying process.

That’s not an acceptable percentage for us. Our mortgage program is designed to take the anxiety out of one of the biggest decisions of your life.

Get a low, adjustable rate

Worried that you can’t make a monthly mortgage payment? An adjustable rate mortgage (or ARM) gives you more leverage. Get a set, low rate for the first five years of your mortgage. Build your home’s value and sell so you can build wealth and upgrade. Learn more about the benefits of ARMs or get preapproved online, fast.

Current rates based off 1 Year Treasury Rate plus an annual percentage rate of 0.25%.

Meet your personal homebuying guides

Your mortgage is always taken care of locally and in-house. A mortgage specialist will help you every step of the way to make the process transparent. Meet the team below or view a list of current loan originators registered with NMLS.

Fixed rate vs adjustable rate mortgage

When you apply, we’ll help you find the home loan that fits your unique situation. We offer many products for different needs, but they generally fall into fixed rate vs adjustable rate mortgages.

We'll find the rate type that works best for you.

Fixed-rate mortgage

Keeps the same rate throughout the term of your loan.

Predictable and usually more affordable monthly payments.

Available in 10-, 15-, 20- and 30-year terms.

Better if you plan to live in your home for a long time.

Adjustable-rate mortgage

Start with a lower rate, then change as market interest rates change.

1/1, 3/1 and 5/1 products: Interest rates stay the same for 1, 3 or 5 years, then change based on market for the remainder of the term.

Better if you plan to move before the adjustable rate kicks in.

Resources for homebuyers


Mapping out your mortgage

A mortgage is a journey. Work with a guide who can help you carve out the best path forward. Take your journey step-by-step to get the best results.

Learn more

Get into your home faster

There are a lot of players when it comes to purchasing a new home. Coordinating the process between all respective parties takes a little work and a lot of patience.

Learn more

The facts about down payments

How much cash do you need before you can buy a home. The answer may be less than you thought. Plus, learn how you can possibly get assistance.

Learn more

What are people saying?

“From beginning to end, Arsenal Credit Union made the loan process very easy with no stress. Highly recommend!”

Paul B.
Member