Whether it’s buying your first home, next home, or building your dream home,

we have the financial advantages to kickstart your next adventure.

You could pay a lower rate with an Adjustable Rate Mortgage (ARM).

These loans offer flexibility to get a lower rate for up to 7 years. See if this affordable option could be right for you.

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We have the perfect solution for your new home purchase or construction project.

Our Mortgage Center experts are just a click or phone call away – standing by and ready to connect with you. Or, browse through the many online mortgage application options available below.

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All Mortgage Options
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Start earning cash back with Mortgage Advantage Bucks.

With Advantage Plus Rewards and your new Mortgage loan, you could earn monthly cash back that adds up annually to 0.25% of your outstanding mortgage balance.1

Must open new mortgage on or after February 1, 2023.

Today's featured Mortgage Rates.

Our most popular mortgage solutions.

Conventional & Adjustable-Rate

Mortgages that come with fixed and adjustable terms, plus low rates and great service.


Great for first-time homebuyers who need a low down payment or those with less than perfect credit.

PMI Saver

Buy the house you want and avoid the extra cost of mortgage insurance.


Saves you money if you’re active military or a veteran.

New Construction

Perfect if you’re looking to have your home built.


Great if you’re looking to buy a higher priced home.

Condominium Loan

You’ll love your condo (and not having to mow your own lawn).

Low to $0 down mortgage options.

Home Ready®

A flexible option that offers a low-down payment and free online homeownership education to make sure you feel confident after you buy.

Right Choice Home Loan

Offers flexible credit options and a low-down payment.

Zero Down Payment Loan

Yes, it’s possible to purchase your home without putting any money down!

Concerned about credit?

Student Debt Relief Loan

Even when you have student debt, we can help put you in the best mortgage.

Best Score Family Helper Loan

Your family wants to help with your new home purchase? Let them!

Even more options!

Home Renovation Loan

There’s no need for two loans - combine home improvements with your purchase.

Doctor Loan

For practicing doctors or those who’ll become a doctor within 6 months looking to buy.

Manufactured Home Loan

Enjoy all the benefits of owning a manufactured home, knowing you’re getting great financing too.

Hobby Farm Loan

Raising livestock or growing crops for fun? Yep, there’s a mortgage option for that!

Maximum Cash-Out Refinance

Put the equity you’ve built in your home to work – for improvements or other large purchase.
  1. Mortgage Advantage Bucks is a promotional offer tied to having an Advia Credit Union account meeting all following qualifications: (1) obtained first mortgage loan (applies to conventional residential first mortgages, FHA, and VA; excludes Home Equity Loans and lines of credit) with Advia Credit Union’s partner Mortgage Center on or after February 1, 2023, (2) must have met Advantage Plus Rewards criteria (see program details at adviacu.org/advantageplus) in the prior month to be eligible for the scheduled payout the following month, and (3) account is in good standing requirements as required to meet our Advantage Plus Rewards program criteria. When all qualifications are met, member will receive a promotional deposit into their primary share savings by the 15th of the month in an amount equivalent to 0.25% / 365 * # of days per month * prior month-end mortgage loan balance (payment example for $250,000 mortgage loan balance held within qualifying month with 30 calendar days = .0025/365*30*250,000 = $51.36). Promotional payout limited to only those months when all qualifications are met, up to concurrent twelve (12) payouts following month-end when mortgage loan is reported on Advia’s member operating system. Promotional deposits earned will be included in year-end 1099-INT. Promotional campaign effective February 1, 2023, and subject to change at any time. All loans subject to approval. Other restrictions may apply.