Mortgages

Castle. Crib. Haven. Hizzouse. Home. No matter what you like to call it, there’s nothing quite like owning your own place. Sure, getting a mortgage can seem intimidating at first – but Addition Financial’s home loan experts will take the mystery out of the process and guide you through every step. Whether you’re buying, refinancing or interested in borrowing against your home’s equity, we have the right product for you. Plus, all of our mortgage products have no pre-payment penalties.

Explore Mortgages

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First-Time Homebuyer

Only 3% down + low closing costs
Say goodbye to your landlord’s rules and hello to home ownership with a loan that’s designed for first time buyers. Don’t worry – we’ll help you every step of the way.
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Fixed Rate

It’s time to call the movers
Buy a home with the confidence of knowing what your monthly payments will be or refinance your current mortgage to a rate and term that works better for your budget.
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Fast Track Refinance

Home ownership + long-term savings
Reach your goal of being mortgage free sooner than you had originally planned.
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Home Equity Line of Credit (HELOC)

Borrow today for a better tomorrow
Take advantage of the equity you’ve built up in your home and borrow against that money for other purposes now or in the future.
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Second Mortgage

Give your home a make over
We'll get you the funds you need to overhaul your fixer upper or furnish your mini mansion.
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Jumbo Mortgage

Bigger is better
Finance your high-end home without worrying. Pay as little as 5% down.*
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VA Loan

Homes for the brave
If you're a veteran, our partner, AmeriCU Mortgage Company, has a loan exclusively designed to support you and your family.
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Adjustable Rate

Low rates now, flexibility later
Perfect for homeowners who are planning to sell or refinance their home within 3 to 10 years.
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Investment Property Loan

You’d look good as a landlord.
Vacationing tourists, young couples, big families and just about everyone all need a place to stay. Give them a home-sweet-home and earn some cash with your investment property.
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Lot Loan

You'll like it a lot
Start building your solid foundation. Once you’ve chosen the piece of land you want to call your own, we’ll help you take care of the financial details.
 

Additional Loan Options

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Low Closing Cost Option
With our Low Closing Cost Option, you won’t have to worry about cashing out your savings just to move into your new home. When you close with us, we’ll cover 1.5% of your loan amount in closing costs up to $5,000. Available on home purchases or refinances.
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Personal Loans
Whether you’re looking to pay down bills, travel, or simply enjoy some extra cash, we can help you fit more life into your budget with loans that offer competitive rates and convenient repayment terms.
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Credit Cards
Addition Financial’s Visa® Credit Cards offer a lot of cool features like rewards, cash back and super low rates. Buy what you need and get what you want by earning rewards points toward travel, merchandise, cash and more every time you make a purchase.
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Auto Loans
Muscle car. Lean and green. Mom-mobile. Oldie but goodie. Comfy commuter. Whatever your style and needs, we can help you buy the new, used or vintage vehicle that makes you happy at a monthly payment that gets you where you want to go.
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Life’s better as a member

We’re here because of you. Our profits don’t go toward lining some investor’s pocket, they go toward making your life better and easier with lower loan rates, higher savings dividends and fewer fees. Why? Because being a member means you actually own part of our not-for-profit financial cooperative. We’d love to count you in.

*Certain restrictions apply. Loans are granted based on creditworthiness and the ability to repay. Based on a $500,000 loan at 4.272% APR with a 30-year term and 80% LTV, your monthly payment (principal and interest) will be $2,459.70.