Home Mortgage Loans

Whether you’re considering buying, building, or refinancing a home, we offer competitive mortgage rates and the advantages you’re looking for.

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Limited-time special offer.

Get 0.25% off your Mortgage rate1 or save up to $800.2

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Ready to take the next step toward homeownership?

Together with our partner Mortgage Center, our team of experts is here to help you find the home mortgage solution that fits your needs.

Conventional Mortgage Options

Whether you’re purchasing your first home or your dream home, we have great options designed for you.

Save up to
$800
on your Mortgage.2

  • First-time home buyers enjoy 0.25% off their rate (offers can’t be combined)1
  • Competitive interest rates
  • Flexible down payment options

Refinance Your Current Mortgage

Looking to lower your payments, pay off your loan faster, or access your home’s equity as cash? Our refinancing options can help you reach your goals.

Save up to
$800
on your Mortgage.2

  • Lower your interest rate
  • Shorten the term of your loan
  • Use your equity to access funds

One-Time Home Construction Loan 

Roll your mortgage and home construction costs into a single loan with just one monthly payment.

Save up to
$800
on your Mortgage.2

  • Interest-only payments during construction
  • One application and one closing
  • After construction, your loan automatically converts to a conventional Mortgage

Here's what members are saying.

"Jodi and Crystal were both exceptional. Both very good with communication and outstanding professionalism. Recommend 10/10."

Tyler R.

"Dylan really went above and beyond. He was very easy to contact, always willing to help and thoroughly explain. He made this process so much easier and more comfortable than my original mortgage. I am very happy I was able to have him for all of my questions and I would recommend him to anybody. Great guy with a wealth of knowledge and amazing people skills."

Adam Z.

"I would have done this sooner if I knew how easy the Mortgage Center team makes this process!!"

William R.

Unique Home Mortgage Solutions

Have a unique situation or need something different? With Mortgage Center, we can help you explore custom solutions for your home financing needs.

More Home Mortgage Options
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Still have questions about Home Mortgage Loans?

Our team is here to guide you. Reach out today for answers or to get started.

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  1. Offer for 0.25% rate discount is available on purchase mortgage transactions for first-time homebuyers. Application must be taken between March 2nd, 2026 through August 31st, 2026. Mortgage amount must be between $40,000 and $832,750 to be eligible. Mortgage rates current as of 2/26/2026 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan amount of $225,000 at an interest rate of 5.875% and an APR of 5.998% has a payment of $1,330.96 with 0.125 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies to mortgages financed with Mortgage Center as a first-time homebuyer, which is defined as a buyer who has not owned a home within the past 3 years. Applicants must be or become an Advia Credit Union member and establish recurring direct deposits of paycheck, pension, or government benefits (such as Social Security) prior to mortgage closing. Person-to-Person payments (such as Zelle®) are not considered a direct deposit for purposes of this offer. Direct deposit must be at least $400 per deposit. Offer may not be combined with any other promotion or discount. The offer has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Offer may be modified or discontinued at any time without notice.
  2. $500 Closing Cost promotion is on purchase and refinance loan transactions and saves you $500 on your closed home loan’s closing costs. Borrowers will also receive a $300 deposit to their Advia account up to 90 days after closing. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between March 2nd, 2026 through August 31st, 2026. Mortgage amount must be between $40,000 and $832,750 to be eligible. Mortgage rates current as of 2/26/2026 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan amount of $225,000 at an interest rate of 5.875% and an APR of 5.998% has a payment of $1,330.96 with 0.125 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes government-backed loans, home equity loans, and Jumbo, PMI Saver, Right Choice, Non-Warrantable Condo and Community Champion loans. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Other restrictions may apply. Terms are subject to credit and mortgage approval. Offer may be modified or discontinued at any time without notice.