Purchase Your Home

When you're ready to move ahead, we're here to support you.

Before you begin your search, Let's chat. Our teams help ease your mind and streamline the process

  • First time? We can be your guide and coach.
  • Low fixed-rate mortgages and down payment options
  • Let us tailor a mortgage to your needs
  • Local expertise from appraisal through servicing


Contact Us

Types of Mortgages

Fixed-Rate Mortgage

Finance up to 97% of the purchase price (if qualified) and enjoy quick processing with same-day pre-qualification – if credit qualified. Flexible rates and terms are available.

USDA Rural Loan

This program finances up to 100% of the property's appraised value with no mortgage insurance. Sellers can provide up to 6% toward closing costs and pre-paid items.

For first-time homebuyers with credit limitations, the FHA Loan offers a lower down payment. Up to 6% of the purchase price towards closing costs and prepaid items (seller concessions).

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Veterans can obtain up to 100% financing for owner-occupied properties (1-2 units) with no monthly PMI. Seller concessions may cover all closing costs plus up to 4% toward prepaid items.

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Knowledgeable and Approachable

"They guided me through the mortgage process, making what easily could have been a daunting and overwhelming process manageable."

- Sara, Rensselaer

How Much Can I Afford?

Buying a house is a major commitment, so it pays to do your homework in advance. Use our calculator to:

  • Gauge your price range before you shop
  • Dial in various loan rates and terms
  • Calculate monthly payments


Calculate Your Savings

Meet Your Team

Let us help you navigate your home-buying journey. Get to know the experienced Mortgage Loan Officers on our team.

  • See bios of team members
  • Choose a Mortgage Loan Officer
  • Referred? Connect with your MLO.
  • Reach out for a loan or guidance


See Team Bios

Feel at Home with Our Team

Finance your dreams and enjoy the home-buying journey with the Homeowners Advantage team.

Refinance your current mortgage with Homeowners Advantage, and you could qualify for lower payments and better rates.

Learn About Refinancing

Questions about the servicing of your mortgage? The Mortgage Servicing team is here to help.

Learn More

Find answers to topics such as automatic payments, mortgage payoff, tax forms, home inspections, and more.

Get Your Answers

APR = Annual Percentage Rate. All rates quoted are the lowest rates and are for individuals with excellent credit. Individuals with less than excellent credit may be offered a higher rate. 

Information is based on a loan amount of $160,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. Representative payment for a 30 year fixed mortgage at 7.250% with a 7.421% APR is $6.64 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice. If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums. Ask about other rates and terms.