Getting a mortgage is a major milestone, and we want to be there with you. Our mortgages are the perfect options for first-time homebuyers in Virginia and for anyone who's buying a home or refinancing a mortgage. We'll save you money with competitive rates and time with an easy application process and quick closing. Let us provide the financing key to your next phase of life.

Conventional Fixed-Rate Mortgage

  • Our most popular mortgage
  • Finance up to 95%
  • Ideal for purchases and refinances
  • Low closing costs and flexible payment options

FHA Loan

  • Requires only 3.5% down payment
  • Easier qualifying terms

5/5 Adjustable-Rate Mortgage

  • Good choice if you plan to stay in your home for a short time
  • Features a rate 1% lower than the stated 30-year fixed mortgage^
  • Rate adjusts once every five years and can only change up or down by a maximum of 2% during each five-year period and a maximum of 5% for the life of the loan

Renovation Loan

  • Great way to finance home renovations
  • Programs including 203(k) available

When you're ready to discuss your home loan options, contact our friendly mortgage professionals, Alicia Westfall or Paige Kirkpatrick at 757-877-2444.

  • alicia westfall
  • paige

^Offer available for owner-occupied purchase and refinance. Investment properties not eligible. The initial rate can change every five years by no more than 2% up or down, never to exceed 5%. The new rate will be current CMT index plus a margin of 2.50% and no lower than 2.99%. Floor rate will .50% below start rate. For loan amounts up to $417,000. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer. Available on approved credit. Contact 1st Advantage Federal Credit Union for complete details.