First Mortgages

Whether it's your first home, the house you're planning to retire in, or one in between, you can count on us to offer the first mortgage that fits your needs.

With competitive low rates and convenient service, we are here to make the home buying process easier for you.

We'll Help You Select The Perfect Option.

Conventional Fixed Rate Mortgage

This is our most popular mortgage loan.

  • Low closing costs & flexible payment options.
  • Purchase or refinance available.
  • Up to 95% financing.

VA Loan

A VA Loan is available to eligible Veterans.

  • Up to 100% financing.
  • No monthly mortgage insurance.
  • Less restrictive qualifying terms.

FHA Loan

An FHA Loan only requires a 3.5% down payment.

  • More lenient on credit blemishes.
  • Flexible guidelines for qualifying ratios.
  • Down payment can be a gift.

Renovation Loan

This is a great way to finance additional repairs.

  • Perfect for home renovation upgrades.
  • Programs including 203(k) available.

5/5 Adjustable Rate Mortgage

 The 5/5 Adjustable Rate Mortgage (ARM) makes home ownership easy.
If you are a first-time home buyers or planning to be in your home for only a short amount of time and want to take advantage of a very low rate, the 5/5 ARM may be the perfect home mortgage solution.

  • Low rate- Rate is 1% below the stated 30 year fixed product.^
  • Payment stability- Rate adjusts only once every five years.

The rate can only change up or down by a maximum of 2% each five year period and a maximum of 5% for the life of the loan.


Contact Jessica Cecil, Alicia Westfall, or Paige Kirkpatrick at 757-877-2444

 Jessica Cecil 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.



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Mortgages Made Easy

Routing # 251480563  |  757-877-2444  |  800-359-7650

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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the NCUA (National Credit Union Administration), a U.S. Government Agency.  NMLS #509408