New Update 10/17/2020:

eStatements will not be available Monday, October 26, 2020 from 8:00pm until 1:00am for website maintenance.

Click here to view a message from our President/CEO, Dion L. Williams.  Starting October 19, 2020, our lobbies will re-open for our member-owners!  Visit our Covid-19 Update page to view more information concerning PACU's re-opening.  For the protection of our members and staff, please remember to wear your mask.

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.

  • Competitive fixed interest rate
  • Terms of 30, 25, 20, and 15 years available
  • Available for primary residence and vacation properties
  • Standard $1,295 Origination Fee


  • Great way to pay off your home in 12 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 12 years
  • Available in North Carolina and South Carolina
Contact Us
  • Expert tools and advice to guide new home buyers
  • Competitive fixed interest rate
  • Borrow up to 95% of the home's value


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


  • 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


  • 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
  • Available in North Carolina, South Carolina and Virginia 
Contact Us
  • 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


  • Find a solution that fits in your budget with an attractive fixed Annual Percentage Rate (APR) and terms up to 20 years (for loans $25,000+)
  • No origination fee and minimal closing costs
  • Borrow up to $350,000 in lump sum
  • Acceptable as first or second lien
Contact Us
  • Transfer your funds whenever you need them via Online Banking, by phone, or within a branch
  • Access your funds to use however you need for 10 years
  • Competitive variable Annual Percentage Rate tied to Prime Rate
  • No closing costs in most situations
  • Acceptable as first or second lien
  • Available in NC, SC, VA, GA, TN, FL, WV, PA, OH, IN, MD and NY
Contact Us

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 MLO List


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, Kenansville and Fayetteville, NC.

Back to top