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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 a primary residence, second homes, vacation homes, or investment properties
  • Convenient terms tailored to fit your budget
  • 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
  • A wide range of financing programs available:
  • Fixed rate mortgages
  • Adjustable-rate mortgages (ARMs)
  • FHA Loans
  • VA Loans

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

New to buying a home? An FHA mortgage loan is a strong 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

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. We understand that there is much more involved in the home buying process. 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! The free services we offer give you access to MLS listings, a network of experienced agents, and big savings at closing.

Our mortgage lenders are here to ensure your dream home is within reach, just call (855) 913-6186.

As a not-for-profit financial cooperative, our goal is to ensure that our members are well informed in order to make the best financial decision possible. We want to help you grow financially and reach your goals in a responsible way, which is why we’re always here to guide you through every aspect of owning a home.

Learn more about the products and services we offer, as well as other ways Advantage Financial can help as you navigate homeownership.

Home Insurance

Regardless of the size of your home, our TruStage Auto & Home Insurance Program offers a fast, 24/7 claims service to back you up when you need it the most.

Financial Wellness Tips

Refinance Your Existing Home Mortgage Loan

With the help of a home mortgage loan, refinancing is a smart, economical option to help streamline your budget and get your finances back on track. With Advantage Financial, refinancing your mortgage helps put the equity in your home to work for you.

Debt consolidation can be another cost-effective option when refinancing your home mortgage loan. Find relief from the burden of debt by consolidating, lowering your monthly payments, achieving lower rates and ultimately getting you closer to your financial goals.

Choosing Among Home Mortgage Loan Options

Check out our many home loan options, all at great rates and various loan terms or call one of our mortgage counselors at 855-913-6186. We understand that one size does not fit all when house hunting, so we make it easy to select a mortgage loan you can feel good about.

Whether you’re a first-time homeowner searching for the perfect house to call home or you’re a seasoned and experienced house buyer ready to find your next property, we’re here to ensure that you not only choose a mortgage loan amount that matches your budget, but one that accommodates your needs.

Home Mortgage Pre-approval

Before you get too serious, find out how much house you can afford. Find a purchase price on a house you are comfortable with and a mortgage loan pre-approval to ensure it meets your budget.

Our loan calculators are perfect for calculating your savings goal or figuring out your monthly payments for better planning or call 855-913-6186. With Advantage Financial, you don’t have to get caught off guard or get stuck with a mortgage you simply won’t be able to afford.

Select A Friendly Agent

One of the trickiest steps to purchasing a home is finding a trustworthy and reliable real estate agent that has your best interest at heart. Need a real estate agent? Our HomeAdvantage program has some of the best local agents to help you buy or sell to carry you through the entire process!

No need to go out of your way to find the perfect real estate agent when we do the work for you.

Find The Perfect Home

As exciting as it may be to house hunt for the right home, it can also be exhausting and leave you feeling quite lost. We offer an easy way to sort through homes on the market by matching your needs and wants to the perfect property.

View current MLS listings, save your favorite searches, and get email alerts when new properties become available.

Earn Cash Rewards*

What better way to celebrate your new home purchase or even moving onto bigger and better things than with cash rewards to add to the excitement. Get something out of the deal simply for choosing a HomeAdvantage agent.

Buy or sell your home with a HomeAdvantage agent and qualify for HomeAdvantage Cash Rewards* at closing.

*Certain restrictions apply. Ask for details.

Finding the perfect home doesn’t have to be a daunting experience. With Advantage Financial, you’re able to reap the benefits far beyond home loan mortgage programs that cater to your wants and needs with cash rewards, competitive rates, and flexible terms. Call today at (855) 913-6186.

Our commitment to the community and our desire to offer affordable loan rates and terms speak for itself.

Advantage Financial is dedicated to helping you reach your financial goals, and we also believe that everyone should have the opportunity to own a home.

By offering a variety of home mortgage programs at affordable rates and flexible terms, you’re able to find your dream house, whether it’s a small starter property or an upsize from your current home.

Why Choose Advantage Financial FCU?

  • Not profit driven
  • Lowest possible rates
  • Affordable services to those with less than perfect credit
  • Insured through the National Credit Union
  • Administration
  • Safe and convenient lending institution

Purchasing a home can be a complicated journey, full of unexpected surprises. When you partner with us, you can rest assured you’re on the smoothest path there. With affordable rates, flexible terms, and expert guidance along the way, you’ll be move-in ready in no time.