Mortgage Loans

Unlock Your New Home

At Peoples Advantage FCU, we are committed to helping you purchase a home. Buying your first home isn’t just a transaction, it’s an achievement. Whether you have a ratified contract, or just starting on your journey, we have solutions to unlock your future.

Where are you in your homebuying journey?

Buying a home isn’t just a transaction, it’s an achievement. And as exciting as it is, it can also be a little overwhelming with all the ins and outs of the process. At Peoples Advantage, we personalize your experience to ensure your new mortgage is easy!

Peoples Advantage Mortgage Loans

Our friendly mortgage experts will listen to your story and help you find the perfect mortgage option for you! And all Peoples Advantage loan options come with free mobile and online banking access*, available 24/7! Life is mobile and so is banking with us.

We offer:

Fixed-rate and adjustable-rate mortgage loans
Competitively low rates
Low closing costs
Refinancing options
Advantage Home Loan for people with low credit
First-time home-buyer assistance
Educational workshops
And more!

Don’t know where to start? Don’t worry!

That’s what our mortgage experts are here to help you with along the way to unlocking your new home with what works best for you and your finances.

Young latino family moving into a new home

Peoples Advantage is a Community Development Financial Institution (CDFI).

What does that mean? It means that we work to provide financial services for savings and lending for people living in lower-income designated areas. Banking and finances can be tricky for people when there is little access to affordable lending options. Peoples Advantage works for Petersburg and Richmond, Virginia, to provide mortgage lending products and services to fit the community and offer free financial education through our Financial Empowerment Centers, so visit us in Petersburg or Richmond, Virginia, the key to unlocking your new home!

Mortgage loans also come with these membership perks:

Free financial education
E-Statement and E-notices for banking on the go
Flexible terms to fit you and your family

Homebuying Resources

*Messaging and data rates may apply through your mobile and/or internet provider.

CDFI (Community Development Financial Institution):

We're proud to be a Community Development Financial Institution (CDFI) credit union with a holistic approach to banking and lending. Our mission is to be THE resource that strengthens and rebuilds our communities by empowering our members to achieve their financial dreams. We go beyond traditional lending criteria, prioritizing our relationship with each member. Being a CDFI means we offer more than just products and financial literacy—we provide personalized solutions and support to help you thrive. Experience the difference at Peoples Advantage FCU and achieve your financial dreams. As a CDFI, we are committed to providing financial services that support savings and lending for individuals in areas with limited access to adequate banking options. Managing finances is simple with the right tools and resources we offer.

Always with you.