Join Now
Apply Now More information about second mortgages

Second Mortgages

Whether you're building the next home of your dreams, investing in a vacation property or simply refinancing your current mortgage, 1st Advantage can help you make the most of your plans for the future.

More about Second Mortgages

Home Equity Line of Credit (HELOC)

You've been good to your home and now it's time to reap the rewards of your efforts. Use your home's equity to consolidate higher-interest loans, pay for home remodeling projects or even take the vacation you've always wanted.

More about HELOC

Apply Now

Best Rate Guarantee

Best Rate Guarantee

You shouldn’t have to choose between stellar service and low rates – you deserve both!


When you get a mortgage loan with Member Advantage Mortgage, LLC, not only are you supported by your local credit union, you can also take advantage of our Best Rate Guarantee. Although our rates are always very competitive, if another local lender offers a better combination of rate and fees, we’ll match it.


Shopping for rates and found something that looks a little better? Or just curious to know what else is out there? Let your mortgage consultant know, and we’ll do the rate shopping for you. We’ll provide you with the results, and if we’re not the lowest, we’ll match the best loan program available.


We will match any legitimate loan offer for a first mortgage loan to purchase or refinance residential 1-4 family real estate with the following conditions:


  • The loan is a conforming loan that receives an Approve Eligible finding through FNMA Desktop Underwriter or Accept finding through FHLMC Loan Prospector.
  • A MAM mortgage consultant has independently confirmed the availability of the competing loan with a “bricks and mortar” full-service lender located in the credit union competitive area.
  • Loans available from a lender that are “special offers” or limited availability and intended to meet the special needs of that lender only may not qualify for the Best Rate Guarantee.
  • The loan must close under the matched terms; if any changes take place to the loan amount or loan program then the match is void.
  • This offer is limited and may be withdrawn at any time without notice.
  • Loans for vacant land or home improvement do not qualify for the Best Rate Program.
  • All loans are subject to credit approval.
  • This offer is not an offer for financing; each applicant must submit a completed application and required credit documentation to receive the loan approval and the match.

Apply Now

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

And because we are a member-owned cooperative, we can offer our members tremendous financial advantages in the form of lower-rate loans, better-rate savings, and many free services. We are your neighbors who share your values—living, working and going to church and school together—and we make it our responsibility to share what we can, giving back to our community. That's not just life at 1st Advantage. That's Life. Shared.


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://1stadvantage.org

Build a better future

If you're thinking about remodeling your home or you're looking for a great way to fix up your finances, a Home Equity Line of Credit from 1st Advantage is the right tool for the job. Learn more

By utilizing the existing equity in your home, you can create the kitchen of your dreams, or you can consolidate all of your high-interest credit card debt and other loans into one money-saving monthly payment. And, for a limited time, we're offering a "no closing costs special" so you don't have to worry about out-of-pocket expenses to get started. But you'll need to act quickly!

Find out more by visiting www.1stAdvantage.org

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.