1st Advantage Federal Credit Union - Mortgages

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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.

After reviewing our mortgage loan process for the last year, we have found our average mortgage process time is 14 business days. This is great news for our members because this means we can get you from loan application to the closing agent in as little as 14 business days. Your actual closing date will be scheduled by the closing agent and restrictions apply.

Call 1-800-LOAN-443 or Apply Now

Mortgage Calculators

Amortization Schedule - Mortgage Loan - Mortgage Refinance

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

Click here for all rates and terms.


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