
Home Buying Made Easy
Buying a home is a big deal. Even if you are just refinancing the home you already own, the process can seem daunting. Fortunately, working together with our partner Credit Union Mortgage Association (CUMA), you’ll have the answers you need from professionals you can trust.
Home Loans That Offer More, Including

Purchase a home with HomeAdvantage®
The HomeAdvantage® Cash Rewards Program helps Credit Union Mortgage Association members save money when buying or selling a home by working with a trusted agent from the HomeAdvantage® network. Members save an average of $1,900 and benefit from a highly rated experience, with 96% of clients reporting satisfaction with their agent.
- Get 1% Back at Closing when you buy & enjoy a 1.99% Listing Fee when you sell with HomeAdvantage
- First-time home buyer and no down payments programs available
- FHA (financing in Virginia, Maryland and the District of Columbia only) and VA loans (purchase only)
- No points loans for minimum up-front costs

For more information, contact us at 571-490-8017 or email cuma@cumortgage.net today!
HomeAdvantage is available to you through your credit union membership. Cash Rewards are available to members who register to use HomeAdvantage and use a real estate agent in the HomeAdvantage network to buy or sell their home. Using the credit union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. The credit union may have specific rules on how Cash Rewards will be paid. Cash Rewards are void where prohibited by law or the lender. Please consult with your credit union for details that may affect you.

Refinance a Home
A home refinance can help if the value of your home has increased or you have an Adjustable Rate Mortgage (ARM) with a variable rate that you’d like to lock. What’s your goal? To build equity faster and pay off your home sooner with a shorter term? Extend the term to reduce monthly payments? Or convert your equity to cash for college or a debt consolidation? Whatever your needs, our mortgage professionals are here to help you.
- FHA (financing in Virginia, Maryland and the District of Columbia only) and VA loans (purchase only)
- No points loans for minimum up-front costs
For more information, contact us at 571-490-8017 or email cuma@cumortgage.net
*Cash Rewards are 20% of the agent’s commission. The example assumes a 2.5% agent commission. Cash Rewards may be limited and/or prohibited by state law. No reward will be available for buyers in Mississippi. Cash Rewards may be in the form of a closing cost credit disclosed on the Closing Disclosure or a reduced real estate commission with the exception of the following states where a check will be issued after closing; AL, AK, IA, KS, LA, MO, OK, OR and TN. Certain restrictions apply. Contact a Mortgage Representative for details.

The calls and follow up during the mortgage process were timely and the information was just what I needed to make the application and closing pretty much drop-dead simple.



*The HarmonyLoan™ rate reset feature may not be available on all mortgage products and is limited to credit union-held loan products only. Rateadjustment must be greater than 0.25 basis points. Certain additional restrictions or exclusions may apply. Please consult with a CUMA loan officer for more.





