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- 1-800-359-7650 ext. 3337

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1A would like to notify our members about loan due date changes.
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First Mortgages
1st Advantage offers a wide variety of first mortgages for the purchase or refinance of your primary residence, second home, or rental property. FREE bi-weekly payment plans are available on certain mortgage products. Make payments every 2 weeks instead of monthly and enjoy faster equity buildup, a shorter loan term and substantial interest savings.

* Credit restrictions apply. Rates subject to change without notice and are not guaranteed. 2% cap per adjustment, 5% lifetime cap. 2.75% margin, 3 year CMT index. Other rate and point options and higher loan to values may be available. Loan Example: $160,000, 5% (5.05%Annual Percentage Rate), 360 payments at $858.91 Principal & Interest. Based on sales price of $200,000 with 20% down.

Click here for all rates and terms.

Click Here for Truth in Lending Disclosures

Call 1-800-LOAN-443 or Apply Now

Limited Time 5/3 Adjustable Rate Mortgage

Don't be afraid of Adjustable Rate Mortgages, at 1st Advantage, we will walk you through the mortgage process and will help you pick the mortgage that best suits your needs. We have a great Adjustable Rate Mortgage (ARM) special that will help you save on your mortgage. The rate is 1% less than our current 30-year fixed loan for the first five years. Click below for additional information and disclosures.

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Conventional Mortgage Loans

  • No Prepayment Penalty
  • 10, 15, 20 and 30 year fixed rates
  • Some products have low or no down payment requirements and usually have a slightly higher interest rate
  • InterestFirst loans with no principal repayment required for 10 years

Adjustable Rate Mortgages (ARM’s)

  • No Prepayment Penalty
  • 5/1 ARM – interest is fixed for the first 5 years and adjusts annually thereafter
  • 3/3 ARM – interest is fixed for the first 3 years and adjusts every three years thereafter

Combo Mortgages with NO PMI

  • No Prepayment Penalty
  • Combination 3/3 ARM and HELOC
  • Combination Conventional Loan and Second Mortgage with terms on the second up to 30 years

VA and FHA loans

  • No Prepayment Penalty
  • Fixed rate 15 and 30 year terms
  • VA 3/1 ARM
  • FHA 3/1 ARM and 1/1 ARM

Lot Loans

  • No Prepayment Penalty
  • Maximum 80% of the current appraised value
  • 5 year balloon with a 15 year amortization period

Construction Financing

  • No Prepayment Penalty
  • Maximum 80% of the “as completed” appraised value
  • 12 month term
  • Interest only payments during construction period based on total funds disbursed

Call 1-800-LOAN-443 or Apply Now

  
       
         
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
by the NCUA (National Credit Union Administration), a U.S. Government Agency