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Mortgages

Buying a home is likely the biggest purchase you'll ever make. It's an exciting (and anxious) time. Of course, you want a great rate (which we have), but you also need a lender who is able to move at the speed of today's market. That's where our service really sets us apart. We can help you get pre-approved so you're ready to act as soon as you find your dream home.

sweet home

Lower Mortgage Rates, for a Reason

You can get a lower interest rate on your mortgage at Avadian for many reasons. We’re owned by our members, not a group of investors, so we return our earnings to our members in the form of lower rates and fewer fees.


With Avadian, You Have Choices

With a home loan, the most important thing is making sure your loan fits your needs. We offer a variety of terms and interest rate options, so we'll ask you big questions like: Is this your forever home, or are you likely going to be moving sooner than later? Your answers will help us determine what loan is best for you.


Get Pre-Qualified

If we could give new homebuyers any advice, it’s this: Start the process by getting qualified for a loan before you begin looking at houses. (When buying a home, not much is worse than falling in love with a house only to find out you can’t afford it.)


Fixed-Rate Mortgages

Fixed-rate mortgages are just that — a loan in which your interest rate is fixed for the life of the loan. Fixed-rate loans come in a variety of terms: 15-year and 30-year terms are the most common, but other options are available.

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Adjustable-Rate Mortgages

Adjustable-rate mortgages start off with a great low rate for the first few years, and then adjust at predetermined times based on a corresponding financial index . An adjustable-rate mortgage can be a good option if you don’t plan to stay in your home for more than a few years.

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Refinance

If interest rates have gone down since you bought your house, or you have an adjustable-rate mortgage that is about to start adjusting upward, refinancing could help you save money with a lower monthly payment or by making your budgeting more predicatable by locking in a fixed rate.

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First-Time Homebuyers

Some people, especially first-time homebuyers, find it difficult to obtain a mortgage because they don't have enough for a substantial down payment. If this sounds familiar, we have a loan program just for you.

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FHA, VA, and USDA Mortgages

Beyond a traditional mortgage, FHA mortgages. VA mortgages. and USDA mortgages offer great benefits. We would love to talk with you about all the options that may be available to you.

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The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

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