When shopping, rates and closing costs may seem very low and the advertised monthly payment may look extremely attractive … but what’s included (or excluded) in that monthly payment? Are your taxes included? Do you have to pay points? Let our mortgage professionals guide you through the “ins and outs” of the small print that isn’t always easy to understand.

Apply for a Mortgage

Day Air offers:

  • 10, 15, 20, 30 Year Fixed
  • 3 & 5 Year ARM
  • No Cost 30 Year Fixed
  • First Time Homebuyers Loan
  • Bridge Loans
  • Mortgage Freedom Loan
  • FHA Loan & VA Loan
  • Refinances
  • Rural Development Home Loan (100% Financing)

AdvantEDGE Equity Builder Mortgage

Get the homebuyer’s AdvantEDGE … new from Day Air!

With AdvantEDGE Equity Builder Mortgage, you can get into the home of your dreams more easily and more affordably – with less out-of-pocket cost up front.

Finding the best mortgage can be as challenging as finding the right home. With AdvantEDGE Equity Builder Mortgage is an alternative to traditional mortgage options and can provide you with a mortgage that is as comfortable as the new home you’re buying. AdvantEDGE is a great option if you must limit your out-of-pocket expenses or if you don’t anticipate staying in your home for more than a few years.

For more information, contact our mortgage team at 937-643-2045 or mortgages@dayair.org.

There’s real equity in your house (and we don’t mean the change under your couch cushions!), so why not put that money to work with one of our home equity loans or a line-of-credit?

Apply for a Home Equity Loan

Home Equity Line of Credit

What you should know about Home Equity Lines of Credit – CFPB

  • No annual fee
  • No early termination fee
  • No minimum balance requirement
  • Free checks
  • Seven-year draw period
  • Up to 100% loan to value*
  • No application or origination fees
  • 24/7 internet access via It’s Me 247
  • Interest paid may be tax-deductible – consult your tax advisor for details.

Home Sweet Loan

  • Up to 100% Loan-to-Value*
  • Low fixed rates
  • Closed-end loan with one time disbursement
  • Terms up to 180 months*
  • Closing costs may be financed
  • No application fees
  • Interest paid may be tax-deductible – consult your tax advisor for details.
In addition, we offer quick turn around time by utilizing online appraisal’s when possible. Contact our professional loan staff for additional details!
*Upon approved credit – based on credit qualifications. Applicable interest rate varies depending on your credit qualifications and loan to value ratio. APR = Annual Percentage Rate. The equity line has a variable rate feature and is indexed to the Prime Rate. Maximum Home Equity loan is $200,000. DACU’s mortgage programs are available only to residents in the State of Ohio. Consult your tax advisor for tax deductibility. Closing costs can range up to $427.

Apply for a Mortgage        Enroll in Home Advantage        Apply for a Freedom or Home Equity Loan

HA-ForSaleSearch for a Home

Our MLS data is current – updated daily – and the same information a real estate agent can find. Register today for free to start your search. You can save your favorite searches and get updated whenever new properties matching your search criteria are posted.

HA-RealtorFind a Realtor®

A reliable Realtor is key to a successful home search. Day Air can get you in touch with the best agents in the greater Miami Valley who meet our credit union’s standard. Use our personal relationship with these agents to find yours today.

HA-RebateReal Estate Rebate

When you register for the HomeAdvantage™ program and use one of our trusted agents, you can get a rebate to apply towards your closing costs or just as cash. On a $200,000 home, the average rebate is $1,200 – how much could you save?




The HomeAdvantage™ program is made available to you through a relationship between your credit union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage™ network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Your credit union may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you.

Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) of 2008, Day Air Credit Union and all Mortgage Loan Officers employed by Day Air Credit Union are registered with the Nationwide Mortgage Licensing System Registry (NMLS Registry). A unique identifier (NMLS Number) has been assigned to the Credit Union and each Mortgage Loan Officer.

You are encouraged to use the NMLS Identification Number(s) to conduct additional research within the NMLS Consumer Access website. NMLS Consumer Access is a free service for consumers which provides licensing information for mortgage lending institutions and individual Mortgage Loan Officers. You may access this service by visiting the NMLS Consumer Access website at:

NMLS ID: 411837.