A grandfather and granddaughter laugh as they enjoy the imaginative play with a stuffed tiger.

Real Estate

Our mission is to make you feel right at home

Affordable financing can help you make a big move.

A good home can open the door to a lot of happiness. With our many mortgage types, Advantage One can help get you into that place you really want. And after you've built up some equity, your house can be the key to getting a low-cost loan that allows you to do all sorts of things that make a big difference in your life.


At Advantage One, we offer four fixed-rate mortgages, so you can choose the one with monthly payments that easily fit into your budget. We also offer special loans for rural residents, modest-income home buyers and those constructing their own houses.

  • 10-, 15-, 20- and 30-year fixed-rate conventional mortgages
  • HomeReady® loans by Fannie Mae that offer low down payment requirements and flexible credit requirements for low-income and modest-income homebuyers
  • Rural Development mortgages offer low interest rates and low down payment requirements for rural and some suburban home owners 
  • Vacant land loans help people who want to build their own homes to purchase the necessary property
For more details, visit our mortgage portal, which offers a service called Rate Tracker that will notify you when a particular rate is available. You can also learn how to lock your rate while your loan application is being processed. Get started online.

Loan terms and conditions depend on credit qualifications and approval. Credit Union membership is required or must be established. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services as our partner. NMLS #191693 | NMLS #408587

Home Equity Loans  

Everyone can use a little - or a lot of - extra cash at one time or another. You can use these funds for anything you want, including remodeling your home, buying furnishings, paying college tuition or consolidating higher-interest debt.

  • Lump sum loan with fixed rate, term, and monthly payments
  • No closing costs, application or annual fees
  • No pre-payment penalties
  • Borrow up to 80% of your home's appraised value1
  • Current Members - Apply within Online Banking
  • Non Members - Apply Now
If you would prefer to apply in person, schedule your appointment online.

Home Equity Line of Credit 

It can be reassuring to know you have extra funds available whenever you need them, for any reason at all. You can draw on this credit line any time you want to pay for special occasions, make a big-ticket purchase or cover unexpected expenses.

  • Access funds through Online Banking or at an Advantage One branch
  • Individual loan rate tied to the Prime Rate, your credit worthiness and consumer credit scoring
  • Line-of-credit up to 80% of the appraised value of your home (less mortgage and liens)
  • Tap into the money for 10 years, and then you have 10 years to repay what you owe
  • Payments based on as little as 1.35% of your outstanding balance as of your last advance
  • Current Members - Apply within Online Banking
  • Non Members - Apply Today
If you would prefer to apply in person, schedule your appointment online.

1Borrow up to 80% of your home's appraised value (less mortgage & liens).

A mature man and woman enjoy each other's company while sitting in a hammock.
Make memories with extra cash.
A woman looks happily surprised as she points at her laptop.


Get pre-qualified for a loan within minutes!
Family enters the front door of their new home.
Members could save on their home insurance.