Close Alert
Special Announcement:

E-statements will be unavailable Monday, July 22 from 6:00 pm until 12:00 am due to routine maintenance.  We apologize for any inconvenience this may cause.

Purchase a new place, refinance or spruce up your current home.

Whether you’re buying a home or planning a major remodeling project or even refinancing your current mortgage, it's an exciting time. It can also be overwhelming. Our goal is to make the financing part as easy as possible for you. First-time buyer? We offer expert home ownership advice. Can't afford a big down payment? We have options and will work with you. Just need a traditional mortgage? We can tailor solutions for your household budget.

Conventional First Mortgage

  • Competitive fixed interest rate
  • Terms of 30, 25, 20, and 15 years available
  • Available for primary residence and vacation properties
  • Standard 1% Origination Fee


Liberty Loan

  • Great way to pay off your home in 10 years or less
  • Borrow up to 85% of the home's value
  • Low fixed rate with minimal closing costs
  • Quick and simple fulfillment and fast closing
  • For loan amounts of $25,000 to $417,000
  • Terms up to 10 years


First-Time Home Buyer

  • Expert tools and advice to guide new home buyers
  • Competitive fixed interest rate
  • Borrow up to 95% of the home's value


Adjustable Rate Mortgage

  • A great option for borrowers that plan to move in 10 years or less
  • Lower initial monthly payment
  • Rate adjusts after predetermined time frame


FHA and VA

  • Both mortgage programs available at Piedmont Advantage
  • Lower down payments than traditional mortgage
  • Either can be a preferred option depending on a borrower's unique circumstances
  • Greater flexibility regarding down payment amount and one's credit score


Land Loan

  • Finance that special lot or land on which to build your future dream home
  • Borrow up to 75% of the lessor of sales price or appraised value
  • Low fixed rate with minimal closing costs
  • For loan amounts of $40,000 to $250,000
  • Terms up to 15 years
  • 25 acre maximum


Home Equity Loans

  • Make your home's equity work for you
  • Learn more about Home Equity Loans


Home Improvement (secured)

  • Ideal for large-scale projects
  • Terms up to 120 months
  • Borrow up to 95% of the home's value (less current first mortgage)
  • Eligible properties include townhouses and condominiums


Home Improvement (unsecured)

  • Perfect for smaller projects costing between $5,000 and $30,000
  • Proceeds available in as little as one day
  • Attractive rate and flexible terms
  • Quick and easy underwriting


To view our active NMLO list, click here 

Ready To Buy? Give Us A Try.

We're looking forward to working with you on your next mortgage or home improvement loan.



Piedmont Advantage Credit Union in North Carolina offers valuable banking solutions including checking accountssavings accountsmortgagesauto loansCDsIRAs and more. Bank online, with our mobile app, or visit one of our conveniently located branches in Winston-SalemEdenMooresvilleCharlotteGreensboroWilmington and Kenansville, NC.

Back to top