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Rates

A mortgage doesn’t have to be scary. With our great rates, flexible terms, and friendly guidance you’ll be right at home in no time!

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Competitive rates for home purchase & refinance
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Convenient terms tailored to fit your budget
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable-rate mortgages (ARMs)
    • FHA Loans
    • VA Loans
  • Local loan advisors who know the real estate market
  • Free pre-approval for extra confidence during your house hunt
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

15 and 30 year Fixed Rate Mortgages

Ideal if you plan to stay in your home for many years and want the security of knowing your rate will not change.

  • Fixed rate for the life of the loan
  • Up to 97% Loan-To-Value 
  • 10, 20, and 25-year terms also available

FHA Mortgage Loan

A good option for first-time homebuyers.

  • Fixed rate for the life of the loan
  • Requires a smaller down payment than Conventional
  • Available in MD, DC, VA, FL, GA, NC, SC & WV only due to loan officer qualifications. 

Adjustable Rate Mortgage (ARM)

Great if you plan to stay in the home short-term or you are comfortable taking the risk of rising interest rates down the road. Most ARMs begin with an initial fixed rate for a certain period of time and then adjust up or down according to the index on which it is based after the fixed period ends.  

  • Choose from a 3/1, 5/1, 7/1, or 10/1 ARM 30-year mortgage
  • Keeps your mortgage payment low initially
  • May be eligible to convert to a fixed rate mortgage later
  • Only one rate adjustment during the life of the loan

15/15 Adjustable Rate Mortgage (ARM)

Combines the low rate of a 15-year loan with the stability of a fixed rate mortgage.

  • Purchases or refinances
  • Only one rate adjustment during the life of the loan
  • Up to 97% Loan-To-Value
  • 30-year amortized payment

VA Loans

This is a fixed rate mortgage available to eligible service members and veterans.

  • Backed by the Department of Veterans Affairs
  • Up-to 100% financing, meaning no down payment.

Ready to buy or sell a home? Advantage Financial is here to help! From finding the home of your dreams to financing it, we want to make every stop in your home-buying process experience as easy and as affordable as possible.

We provide more than just the loan. Ask us how you can access online property listings, and, best of all, a network of pre-approved local real estate agents that pay Cash Rewards* at closing! 

Our free service gives you access to MLS listings, a network of experienced agents, and big savings at closing. 

We can help you:

  • Choose the best loan – Check out our many home loan options, all at great rates.
  • Pre-approval – Before you get too serious, find out how much house you can afford.
  • Select a friendly agent – Need a real estate agent? Our HomeAdvantage program has some of the best local agents to help you buy or sell!
  • Find the perfect home – View current MLS listings, save your favorite searches, and get email alerts when new properties become available.
  • Earn Cash Rewards* – Buy or sell your home with a HomeAdvantage agent and qualify for HomeAdvantage Cash Rewards* at closing.

*Certain restrictions apply. Ask for details.