Skip to main content
Check out what's coming with the launch of our new and improved online and mobile banking experience this fall. Learn more.
×
Personal

Mortgages

It’s an amazing feeling. After all the saving and planning, the searching and the worry and paperwork, here you are, standing in your new home for the first time. Buying a home is a life-changing event. It’s by far the biggest purchase most people will ever make, and we want to make the process as simple and smooth as possible.

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 the earnings of our credit union 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 type fits your life. We offer a variety of terms and interest rate options, so ask yourself the big questions like: Is this your forever home, or are you planning to move within five years? Your answers will help determine the best loan type for you.


Get Pre-Qualified

If we 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 later you can’t afford it.)


Fixed-Rate Mortgages

Fixed-rate mortgages are just that — 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.

Learn More

Adjustable-Rate Mortgages

Adjustable-rate mortgages start off with a great low rate for the first few years, and then adjust based on a corresponding financial index at specified times. 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.

Learn More

Refinance

If interest rates have gone down since you bought your house, or you have an adjustable-rate mortgage that is about to start going up, refinancing is a great way to save money on a loan with a high monthly payment or to lock in a fixed rate to make your budgeting more predictable.

Learn More

First-Time Homebuyers

Some people, especially first-time homebuyers, find it difficult to obtain a mortgage. They may not have enough saved up to make a substantial down payment, which makes some financial institutions hesitant to loan them money. If this sounds familiar, we have a loan program just for you.

Learn More

FHA, VA, and USDA Mortgages

When you finance a house, you have a lot of options available beyond a traditional mortgage. FHA mortgages. VA mortgages. USDA mortgages. Each of these comes with great benefits. As you begin your search, we would love to talk with you about the entire range of options available.

Learn More



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.

Equal Housing Logo Equal Housing Opportunity Lender. 
Copyright © 2019 Avadian Credit Union. All rights reserved.