Improve your home or any other part of your life with a Home Equity Line of Credit



Home Loans and Mortgage Loans

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



No down payment, Equity Builder Mortgage

Moving and Mortgage Tips

Quick-read articles for everything you need

Home Buying Center

Find a home, Realtor ad apply online. See the rebates available.

Mortgage Types

See all of your options

Application Process

A list of documents needed to process your mortgage loan application

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

Welcome to home buying made easier… with Day Air!

Whether it’s your first home of you’re moving to a second, you know the road to home ownership is paved with questions–lots of questions.  Naturally you want to make informed decisions.

Think of us as your personal, one-stop resource for expert advice on buying and/or selling a home.  You will find useful tips and life hacks on everything from saving for your down payment to the best way to pack: tips that can save you time and in some cases, money!

HomeAdvantage-logoIn addition, through our HomeAdvantage™ program, our members have access to a complete Home Buying Center that allows you to search for homes, find a trusted Realtor, apply directly for a loan, and even earn a rebate!

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-RatesCheck Rates and Apply

When you’re ready to apply for your home loan, get pre-approved from Day Air.  You can apply online, in person, or over the phone. Don’t forget, you can also sign up for Rate Watch to keep an eye on rates via email.

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?


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
  • Mortgage Freedom Loan
  • FHA Loan & VA Loan
  • Refinances
  • Rural Development Home Loan (100% Financing)

Pay off your mortgage and put money back in your pocket! If you have a few years left on your mortgage, but are stuck in a high interest rate loan, set yourself free with our Mortgage Freedom Loan.

Pick your term from 5 to 10 years!

  • Low rates! As low as 2.99% APR*
  • Up to 70% Loan-to-Value*
  • Terms anywhere from 60 to 120 months
  • Primary Residence Only
  • $20,000 minimum loan amount
  • $125,000 maximum loan amount
  • Low Closing Cost
Call us or stop into a branch today to see if you qualify for our Mortgage Freedom Loan!

Apply for a Freedom Loan

*APR = Annual Percentage Rate. Rates subject to change. Maximum loan term is 10 years. Refinances of existing Day Air mortgages and equity loans are subject to a 1% rate reduction fee. All loans are subject to approval and other limitations may apply.

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 90% 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 90% 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 $416.

Application Process

The following is a list of documents needed to process your mortgage loan application.

  • Current pay stubs covering the most recent 30 days
  • W-2s for the last two years
  • Your last two months’ financial statements
  • Most current investment statements
  • Homeowner’s insurance information
  • If self employed you will need a copy of the last two years’ federal tax with original signatures
  • Depending upon your situation, additional information may be required

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.