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

woman having fun together

Adjustable Rate

Low rates now, flexibility later
Perfect for homeowners who are planning to sell or refinance their home within 3 to 10 years.
family playing in living room

Fast Track Refinance

Home ownership + long-term savings
Reach your goal of being mortgage free sooner than you had originally planned.
happy baby in yard of house.

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.
mother, daughter, and father playing together.

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.
woman painting a room in her house

Home Equity Line of Credit

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.
man and woman relaxing in bedroom

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.
Daughter and elderly father hugging.

Jumbo Mortgage

Bigger is better
Finance your high-end home without worrying.
woman playing with hair

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.
Father holding baby

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.
Man relaxing on couch looking at phone.

VA Loan

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

Additional Loan Options

Family in living room talking.
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.
Mother reading a book to her toddler.
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.
Woman swaying hair
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.
Man and woman leaning against classic car.
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.
Family laughing with each other on the couch

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.