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 home buyer in North Carolina or elsewhere? 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
  • 30, 25, 20, and 15-year terms 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 interest rate with minimal closing costs
  • Quick and simple fulfillment and fast closing
  • For home loan amounts of $25,000 to $417,000
  • Loan terms up to 12 years
  • Available in North Carolina and South Carolina
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  • Expert financial 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 mortgage payment
  • Rate adjusts after predetermined time frame


  • Both mortgage programs available at Piedmont Advantage Credit Union
  • Low down payments compared to traditional mortgages
  • Either can be a preferred option depending on a home borrower's unique circumstances
  • Greater flexibility regarding mortgage 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 interest rate with minimal closing costs
  • For land loan amounts of $40,000 to $250,000
  • Loan terms up to 15 years
  • 25 acre maximum
  • Available in North Carolina, South Carolina and Virginia 
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  • 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
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Ready To Buy? Give Us A Try.

Piedmont Advantage Credit Union is looking forward to working with you on your next mortgage or home improvement loan.

Piedmont Advantage MLO List


Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work or worship in one of the eight communities it serves in North Carolina or who are employed by one of its many employer companies. These eight communities are in Forsyth, Guilford, Mecklenburg, Cumberland, Duplin, Iredell, New Hanover and Rockingham counties. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service region and employs a workforce of over 100.

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