We will be closed on Thursday, June 19 in observance of Juneteenth .
For 24/7 banking, shared branches, and ATM locations, visit ardentcu.org/locations.
Fixed-Rate Mortgages
Lock in a competitive rate with our most popular mortgage.
Know that the sun will rise but your rate won’t.
Choosing a fixed-rate mortgage means your monthly principal and interest payment never change for the life of your loan. No worrying about rising interest rates. In fact, we can lock in your rate up to 60 days prior to closing.
Here’s an overview of our fixed-rate mortgage programs:
- Terms available for 10, 15, 20 and 30-years
- No pre-payment penalties
- Borrow up to $806,500 for primary or secondary residences
- Financing available up to 97% of sales price/appraised value on primary residences.
- Refinance closing costs can be rolled into mortgage to minimize out-of-pocket expenses
- Find an agent and save on closing costs with HomeAdvantage
- Financing available in all states except Texas and Puerto Rico
- Reduced Private Mortgage Insurance (PMI) premiums for mortgages in excess of 80% Loan-to-Value)
- Simple online application process
- Relocation mortgage option with flexible underwriting for borrowers moving here
Talk to us. Contact our mortgage specialists at mortgage@ardentcu.org.
Tools & Resources
Fixed Rate Mortgage
Rates effective starting: June 16, 2025
| LOAN TYPE1 | Rates (as low as) | Points | APR2 | Monthly Cost Per $10,000 |
|---|---|---|---|---|
| 30 Year fixed | 6.875% | 0.000% | 6.947% | $65.69 |
| 20 Year fixed | 6.375% | 0.000% | 6.466% | $73.82 |
| 15 Year fixed | 6.125% | 0.000% | 6.238% | $85.06 |
1Mortgage and Home equity loans are not available in Texas and Puerto Rico. Payment example: for example, if you borrow $400,000 for 360 monthly payments at 6.625%, you would make monthly payments of $2,561.24 at an APR of 6.696%. This is only an example. Your rate may vary based on a number of factors, such as down payment, credit score, property value, and so forth. Monthly payment does not include taxes and insurance.
2APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.