Limited-time offer
Mortgage Savings & Special Offers
Buying or refinancing a home is a big moment. Saving money along the way makes it even better. Advia Credit Union, with our partner Mortgage Center, offers limited‑time mortgage savings to help you lower your rate or reduce upfront costs, depending on your situation.
What are these two great Mortgage offers?
These limited‑time mortgage promotions provide savings in two different ways. Either through a reduced interest rate or upfront cost savings. Each offer has its own eligibility requirements and applies to specific mortgage scenarios.
First‑Time Home Buyer Mortgage Special Offer
Buying your first home is exciting. Lower your mortgage rate and reduce long‑term interest costs. Here's why first‑time buyers love this offer:
- Get 0.25% off your mortgage rate1
- Available to eligible first‑time home buyers
- Set up direct deposit to qualify1
- Applies to home purchase loans only
Savings for New or Refinanced Home Mortgages
Save up to $800 on your Mortgage.² If you are buying a home or refinancing your current one, this offer helps lower your upfront costs so you can keep more money in your pocket. What this offer includes:
- $500 off closing costs2
- $300 cash back when direct deposit is set up2
- Available for qualifying purchase or refinance loans
- Helps reduce out‑of‑pocket expenses at closing
Current Mortgage Rates
Explore today’s competitive mortgage rates available through Mortgage Center.
How these Mortgage offers work.
Getting started is simple.
Apply online or connect with a mortgage lender.
Get pre‑approved in 15 minutes with no application fee.
Your lender will help confirm which mortgage offer fits your situation.
Close your loan and enjoy savings through a lower rate or reduced upfront costs.
Why choose Advia for your Mortgage?
At Advia Credit Union, we partner with Mortgage Center to help make the mortgage process clear, supportive, and easy to navigate. Here’s what you can expect:
- $0 application fee on all mortgage offers
- $0 pre‑approval, often in as little as 15 minutes
- Competitive rates with flexible payment options
- Low down‑payment choices for qualified borrowers
- Helpful mortgage experts to guide you from start to finish
- A mortgage that is never sold for the life of your loan
Ready to save on your Home Mortgage?
Apply today to see which mortgage offer you may qualify for and take the next step toward buying or refinancing with confidence.
Here's what members are saying.
"I have nothing but Praise for the individuals that handled my loan!! Both very confident and knowledgeable of their jobs! It was a pleasure to work with both of them. Making the process easy and comfortable for me. Highly recommend the company and its employees I worked with!!"
Elizabeth M.
"Jodi and Kari were both very professional and easy to work with. They always made me feel comfortable with the process. I would highly recommend them to anyone needing a mortgage."
Margaret R.
"Nicole was absolutely fabulous during our loan process, she communicated easily, and was extremely efficient. I would highly recommend using Mortgage Center."
James B.
- 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.
- $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.
Our partner, Mortgage Center, is ready to help you achieve your home goals! Please fill out the form below and a home financing expert will be in touch.
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Our partner, Mortgage Center, is ready to help you achieve your home goals! Please fill out the form below and a home financing expert will be in touch.