Service and rates that’ll put a smile on your face!

You know it’s out there. The home you’ve been dreaming of for years. We know the home buying process starts long before you think about the loan. That’s why we have partnered with CU Realty to provide HomeAdvantage™, a complete Home Buying Center.

HomeAdvantage-logoNot only can you search for homes, find a Realtor, and apply for a loan, you can also earn a rebate that can be used to reduce closing costs or taken as cash back! Let us un-complicate the process with services and rates that’ll put a smile on your face!

Apply for a Mortgage        Enroll in Home Advantage

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 partners 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, 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?


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.

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.

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
  • Flat closing fee of $299
Call us or stop into a branch today to see if you qualify for our Mortgage 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?

Home Equity Line of Credit

  • 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