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Who is 1st Advantage?

We are more than a financial institution. We are a solution finder. A valuable resource. Your valuable resource. Safe and sound, 1st Advantage Federal Credit Union is federally insured, just like a bank.  Learn more

If you’re in the market to purchase a new home, 1st Advantage is here to help.  1A, along with our First Mortgage partner Member Advantage Mortgage (MAM), have the tools you need to make purchasing the home of your dreams easy.  Our experienced professionals will walk you through the home buying process to help you find the best home mortgage loan for your specific situation. From First Mortgage loans to Second Mortgages, we offer a wide range of mortgage options to fit your needs.

As a member-owned cooperative, we can offer you lower mortgage interest rates than traditional banks.  Overall, that will translate to lower-rate loans and better-rate savings.  Bottom line, our goal is to save you money. So, if you want to make, save, spend, borrow and invest money the smart way, 1st Advantage is the place for you.

1st Advantage is a not-for-profit financial co-op, which means we look out for our members’ best interest.  Our qualified representatives can work with you to find a mortgage loan that works best for you and your budget.

Who is Member Advantage Mortgage?

Member Advantage Mortgage (MAM) is our mortgage partner. When you get a mortgage loan with MAM not only are you supported by 1A, but you have peace of mind knowing that you’re working with an experienced staff offering professional advice in every area of mortgage lending, from purchase to refinance and most everything in between.

Who is eligible for membership?

If you live, work, worship or attend school on the Virginia Peninsula—including Williamsburg, James City County, Newport News, Hampton, Poquoson, York County (including Seaford, Dandy and Grafton) and Gloucester County (including Gloucester Point, Hayes, Schley, Whitemarsh and Belroi)—or have a family member who is already a 1st Advantage Member, you are eligible to join us.

Find out more by visiting http://www.1stadvantage.org

Build a better future

Are you in the market for a new home? 1st Advantage has tools you need to make purchasing the home of your dreams easy. We go the extra mile to get you into a home at a rate you can afford. Learn more

Buying a home is a big step. There are many factors that you need to consider, including:

Fortunately, 1st Advantage Federal Credit Union is here to help you every step of the way.  We offer home mortgage loan solutions to fit all types of needs and budgets. Whether you're buying a new home or refinancing your existing mortgage, you can count on 1st Advantage to give you low rate loans and better-rate savings. 

From First Mortgages to Second Mortgages to a Home Equity Line of Credit, we offer everything that big banks do, but at a super low rate. Best of all, no matter what stage of life you’re in, we have a mortgage to fit your needs.  If you’re a first time homebuyer or looking to refinance, we offer low First Mortgage rates.  

Plus, for a limited time you can take advantage of our 5/3 Adjustable Rate Mortgage (ARM) Special. This special allows you to save on your mortgage by getting a rate that’s 1% less than 1st Advantage’s current 30-year fixed loan for the first five years! 

1st Advantage has competitive mortgage rates and the one-on-one guidance you need to reach your home ownership goals. Our team will work to find the mortgage lending solutions that work best for you.   Don’t wait!  Call 866-624-1938 or apply now.

First Time Home Buying

Are you ready to own a piece of the American Dream? Buying and financing your first home is easier than you think. Learn more

1st Advantage and our mortgage partner, Member Advantage Mortgage, LLC, have several solutions to help you get into a home you can afford. 

We offer affordable solutions to help make the home buying process a success even for first time homebuyers. Our combination of flexible mortgage plans and local, personal service can help make the first time buying a home less confusing and more rewarding. We also affordable first mortgage rates, low interest rates and minimal fees that can help you afford the house that you want.


Buying VS Renting

  • Stable regular monthly payments
  • Security of stay and rent-free retirement
  • Cash out through tax deductions*
  • Pride of home ownership


If you’re considering jumping into the housing market for the first time, now is the perfect time to do it. First time home buying doesn’t have to be stressful if you rely on 1st Advantage to keep the process simple and less confusing. You can also use our online Home Financing Calculator for a rough estimate of how much home you could afford.  


Don't wait! Apply today or call 866-624-1938.

Want to contact us?

Move in to a new home or make your old one feel like new. We'll show you how. Contact us at 800-359-7650 or complete this form and we will contact you.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the NCUA (National Credit Union Administration), a U.S. Government Agency.