Fixed-Rate Mortgage

Heart + Home

Purchase a home or refinance a home you already own and love with our most popular, low-risk home loan option.

Predictability you can count on

Owning a home can come with a few surprises, but your monthly mortgage payment amount doesn’t have to be one of them. With principal and interest payments that stay the same for the life of your loan, a Fixed-Rate Mortgage takes the guesswork out of monthly budgeting. Plus, Addition Financial’s low fixed interest rates and flexible repayment term options make it easy to fit home ownership into your plans for the future.

Your perfect place is waiting

If you’re thinking about upgrading, downsizing, relocating or refinancing, we’re here to help. Addition Financial’s Fixed-Rate Mortgages offer competitive rates, flexible terms and predictable monthly payments. Our local home financing experts will guide you through the mortgage process step by step and answer all of your questions to make your home purchase or refinance as smooth as possible.

What to expect after you apply:

We want you to feel prepared as you navigate this application process. Download this checklist to learn about what you'll need to have on-hand once you've hit "submit".

  • Conventional fixed-rate fully amortized loan
  • Terms of 10, 15, 20, and 30 years available
  • Minimum loan amount $25,000; maximum loan amount varies
  • Up to 95% financing available*
  • Points can be purchased to reduce the interest rate. We offer options of 0, 1%, and 2%.
  • No pre-payment penalties

*Only applies to purchase transaction and no cash out refinances.

Low Closing Cost Option**

  • Receive a lender credit of 1.5% of loan amount (up to $5,000)
  • Available on 15, 20 and 30 year Fixed-Rate Mortgages
**Low closing cost offer available for purchase or refinance on 15, 20, and 30-year fixed-rate mortgages only. Certain restrictions apply. Loans are granted based on credit worthiness and the ability to repay. Addition Financial will pay up to 1.5% of the loan amount towards borrower's closing costs, not to exceed $5,000. If the mortgage is paid off within the first 36 months, you will be required to reimburse Addition Financial for a portion of the closing costs paid by Addition Financial. After 36 months, there will be no reimbursement due. Fees are collected during the loan process and will be credited back on the closing disclosure at loan closing.

Why Addition Financial?

Earn More + Pay Less

Competitive rates on deposits, loans and credit cards.

Keep It Local

Your money stays right here in the community.

Money Smarts

School yourself with free financial know-how.

Couple having a picnic.

It’s time to call the movers

Whether you’re buying your first home or you’ve done this before, Addition Financial offers a variety of mortgage options to suit your needs plus one-on-one advice to help you reach your goals.
  1. 1
    Review eligibility

    Anyone who lives, works, worships or attends school in 24 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete loan application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Get your loan

    Move in to your new home.

Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.