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.
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
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.
School yourself with free financial know-how.
Additional Features and Benefits
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
Earn rebates when you buy or sell a home
Get tips and tools for buying or selling
Research listings, schools, neighborhoods and more
Find an experienced real estate agent
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.
Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.
2Complete loan application
When you’re ready, complete the online application or visit your branch to apply in person.
3Get 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.
*Only applies to purchase transaction and no cash out refinances.
**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.
***A HomeAdvantage approved real estate agent must be used in order to receive a rebate. Program rules can be found at curealty.com.