Save up to $1,250 on a new Home Mortgage.*

Buying your first, next, or dream home? Now there are 1,250 more reasons to choose us as your partner.

Make your home dreams a reality.

Together with our partner Mortgage Center, we have mortgage options designed to fit your needs. Enjoy competitive rates and exclusive benefits.

    • Up to $1,250 in savings for eligible members*
    • Affordable payments with competitive rates
    • $0 application fee
    • $0 pre-approval in just 15 minutes
    • Terms tailored to your goals

Plus, we will never sell your mortgage for the life of your loan.

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Grow your savings with Advantage Plus High Yield Savings.

Complement your Mortgage with our Advantage Plus High Yield Savings account and elevate your return.

Limited time up to $1,250 in savings on your new Mortgage.*

  • $500 off closing costs for all members
  • Plus, $750 deposited if qualifying with Advantage Plus Rewards
  • Plus, up to $1,000 deposited for new members by meeting select requirements:
    • $500 for mortgages over $125K within 120 days of account opening
    • $250 for qualifying with Advantage Plus Rewards within 90 days of account opening
    • $250 for qualifying with an additional personal loan of $10K+ within 90 days of account opening

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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Today's featured Mortgage Rates.

Home Equity Line of Credit

With Advia's mortgages, you lay the foundation. Our HELOC enables your next big step, from renovations to major purchases.

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.

*Combined promotional offers of $500 off loan closing costs and other cash deposits to account holder’s primary share savings based on select qualifications met. All promotional offers based on mortgage loan applications received 3/1 – 6/30/2024. (A) To qualify for $500 off loan origination fees offer, mortgage must be between $40,000 and $726,200. (B) If current account holder qualifying with Advantage Plus Rewards at time of application, additional $750 cash back will be earned. (C) New members with accounts opened less than 30 days with Advia Credit Union at time of mortgage application will qualify with our NM1000 promotional code automatically applied to account which results in $500 earned for mortgages of $125,000 or more closed within 120 days of new account opening, $250 applied to Primary Share Savings within 45 days of account qualifying for Advantage Plus Rewards if met within 90 days of new account opening date, and $250 earned if new personal HELOC, Auto, Signature or RV type loan of $10K or more obtained within 90 days of new account opening. For all promotional offers stated, loan must close to receive stated offer(s) and full account relationship must be in good standing as determined by the Member Account Agreement at time of incentive payout. Offer for $500 off closing costs is available on purchase and refinance transactions. Mortgage rates current as of 02/19/2024 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 780. A loan amount of $200,000 at an interest rate of 6.625% and an APR of 6.727% has a payment of $1,280.62 with 0.0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes FHA, VA and Home Equity Loans and Lines of Credit. Advia Credit Union membership required. Other than stated within this disclosure, may not be combined with any other promotional discount. Terms are subject to credit and mortgage approval. Other restrictions may apply. Any incentives resulting in deposit into Primary Share Savings will be reported to IRS and may result in a 1099-INT or 1099-MISC at year end. Federally Insured by NCUA. Equal Opportunity Lender.