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Routing Number: 263181384

First 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 or refinancing, we have the right product for you. Plus, all of our mortgage products have no pre-payment penalties.

A Mortgage for Every Need.

Fixed-Rate

Heart + Home

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.

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

Adjustable-Rate

A flexible loan to keep your options open

If you're not sure what homeownership will look like for you in 5 years, you'll at least have the benefit of lower mortgage payments that work for your budget while you figure it out.

  • No pre-payment penalties
  • 5 year fixed-rate
  • 30-year total term
  • Minimum loan amount $25,000
  • Maximum loan amount varies

Jumbo

A home loan as big as your dreams

Purchasing a higher-priced home doesn’t have to mean coming up with a massive down-payment. Buy the home of your dreams with just 20% down.

  • No pre-payment penalties
  • 30-year total term
  • As low as 20% down
  • Refinance options available
  • Points can be purchased to reduce interest rate. Point options of 0, 1%, and 2%

Investment Property

Own Property + Earn Rental Income

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.

  • 20-year term
  • Minimum loan amount $25,000; maximum loan amount varies
  • Available for purchase or refinance
  • Competitive rates
  • No pre-payment penalties

Construction to Permanent Loan

When it comes to building your dream home, count us in

Addition Financial's one-time construction to permanent mortgage loan provides members with both interim construction financing and permanent loan financing all in one mortgage.

  • Minimum loan amount is $25,000
  • Maximum loan amount is $1,000,000
  • Pay interest-only during the initial 12-month construction term
  • Modify your mortgage to a 30-year fixed rate after the construction term
  • All builders must be approved by Addition Financial. No owner builders allowed.

Lot Loan

There is a lot of potential with a potential lot

A Lot Loan can help you secure the ideal spot for your future primary residence. Find your personal slice of paradise and start looking at floor plans, because building your next home from the ground up just got easier.

  • 5, 10, & 15-year fixed rate terms
  • Minimum loan amount $25,000
  • Maximum loan amount $300,000
  • Financing available up to 75% of purchase price or appraised value, whichever is less
  • Purchase and refinance
  • Maximum 10 acres lot size
  • Land must be zoned as residential

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. 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.

Contact Us to Get Started
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