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Home Buying Center

Home Buying Center

Go Beyond your home buying and selling experience with one of our preferred Realtors. 

Benefits Of The HomeAdvantage® Home Buying Center

Year-to-date, Launch members have received back $28,641 in cash savings with HomeAdvantage®!

There is so much you can do with the HomeAdvantage® Home Buying Center, starting with helping you find the right home that matches your unique needs, using the most current online property listings. You can save your search criteria and get email alerts when a new listing that matches your criteria becomes available.

HomeAdvantage® Program

How would it feel to get money back in your pocket when you close on your sale or purchase? With the HomeAdvantage® program, this is possible. HomeAdvantage® is a service provided by Launch CU. Once enrolled, you gain access to all the tools and expertise you need to make your home buying or selling journey easy. On average, HomeAdvantage® members receive $1,500* Cash Rewards when they use an agent from our HomeAdvantage® network to buy or sell their home. These rewards can be used to lower closing costs, reduce agent commission, or be used as cash back.

How Does It Work?

The program is completely free to use. Using the HomeAdvantage® Home Buying Center is easy and straightforward. Simply use any agent in the HomeAdvantage® network to buy or sell your home, and you will earn Cash Rewards equal to 20%* of the agent’s commission.

If you use one of our HomeAdvantage® agents to buy and sell your home, you can earn Cash Rewards on both transactions! As a buyer, you can utilize your savings to reduce your closing costs or take the cash outright. If you are a seller, you can utilize your savings to reduce your agent’s commission. The choice is yours!

Calculate Your Cash Rewards

Search For A Home

Use the HomeAdvantage® Home Buying Center to search for homes within a certain price-range, neighborhood, city, street, or zip code. You can event filter your search to include a certain style of home and amount of bedrooms and bathrooms.
You can also see details about:

  • Recent Sales Data
  • Demographics
  • Nearby Schools
  • Nearby Churches
  • Local Restaurants
  • Nearby Gas Stations
  • And Much More

Set Up Alerts

If you are not yet ready to buy, or if you are in the beginning stages of your home buying journey, you can set up email alerts based on your favorite searches. Any time a home is listed that meets your criteria, you will be notified via email. To begin your search, it’s really that easy; All you have to do is enroll in HomeAdvantage®.

Search for a Home
Arial view of homes
Couple with real estate agent

Connect To Trusted Real Estate Agents

Working with a trusted and experienced real estate agent is vital to your home buying success. The HomeAdvantage® program can connect you with some of the areas most-trusted real estate agents to help you buy or sell your home fast. All agents are hand-picked due to their expertise and outstanding levels of service. Learn More

Earn Cash Rewards*

Launch CU members who work with a HomeAdvantage® agent can earn HomeAdvantage® Cash Rewards at closing. These funds can be used to lower your closing costs, reduce agent commissions, or be taken as cash back. On average, members who work with a HomeAdvantage® agent, earn $1,500 back in savings. Learn More

Apply for your home loan securely online in just minutes. Launch CU offers low-rate mortgages for as little as 3% down. Best of all, we will not sell your mortgage. This means you will always know who to call when you have a question. Learn More

Finding An Agent

Launch CU understands that buying or selling a home is one of the biggest transactions you will make during your lifetime. That is why we make it easy for you to connect with a local and trusted real estate professional. Launch CU is proud to offer our members access to the HomeAdvantage network of real estate professionals. This group of local agents is comprised of hand-picked experts that display extreme commitment, dedication, and top-notch customer service.

How Are Agents Picked?

All HomeAdvantage real estate professionals go through a thorough vetting process. Only agents who display the highest levels of passion, customer service, and industry knowledge are selected to take part in the program. All HomeAdvantage real estate agents are fully licensed and have been working in the industry full-time for at least three years.

How To Get Started

Being a HomeAdvantage user gives you the ability to browse our network of agents, so you can find the agent that is perfect for you. Alternatively, you can contact us by phone or email if you would like for us to recommend an agent for you.

Find an Agent
Couple shaking hands with real estate agent
Couple with real estate agent

Apply For A Mortgage

Are you ready to make the leap from renting to owning? Regardless, if you are buying your first home or refinancing your current mortgage, Launch CU will make it easy for you to save money and open doors for less. You can apply for a Launch CU mortgage if you live, work, worship, or attend school in Brevard, Volusia, Orange, Seminole, Flagler or Osceola County.

Benefits Of A Launch CU Mortgage:

  • Down payments as low as 3%
  • Flexible loans terms
  • In-house financing, we won’t sell your mortgage
  • Low closing costs
  • Secure and fast online application process
  • Face-to-face, personalized service

Launch CU believes in making home ownership affordable for everyone. That is why we offer mortgages with flexible terms and affordable monthly payments. Our home loan specialist will work to find a payment and term that works for you.

Apply for a Mortgage

Home Loan Frequently Asked Questions

1. What is the difference between a First & Second Mortgage?

A first mortgage is the primary loan on your home. A second mortgage is any loan that you take out on the equity you have built in your home. Equity is the appraised value of your home minus what you owe on the first mortgage.

2. What is the processing time for a 1st mortgage or a 2nd mortgage?

Generally, a first mortgage can close in four to five weeks. A second mortgage closes between approximately two to three weeks.

3. What is LTV (loan to value) and how is it calculated?

The acronym LTV means loan to value and is calculated by dividing the loan amount (all liens) by the value of the property. (CLTV)

4. What are closing costs?

Closing costs are charges and fees that apply to mortgage loans. Generally, these fees include, but are not limited to, application fees, appraisals, title insurance, doc stamps, recording fees, etc.

Piggie Bank

If you have any questions, give us a call at 321-455-9400 (inside Brevard) or 800-662-5257 (outside Brevard) or come visit us at any one of our convenient branch offices. We'll be happy to talk about your mortgage options based on what you'd like to achieve.


The HomeAdvantage® program is made available to you through a relationship between Launch Credit Union and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using Launch Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Launch Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards 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.

use any agent in the HomeAdvantage network to buy or sell your home, and you will earn Cash Rewards equal to 20% of the agent's commission.

Home Sale Price Cash Rewards
$100,000 $600
$200,000 $1,200
$300,000 $1,800
$400,000 $2,400
$500,000 $3,000
$600,000 $3,600
$700,000 $4,200
$800,000 $4,800
$900,000 $5,400
$1,000,000 $6,000

If you use one of our HomeAdvantage agents to buy and sell your home, you can earn Cash Rewards on both transactions! As a buyer, you can utilize your savings to reduce your closing costs or take the cash outright. If you are a seller, you can utilize your savings to reduce your agent’s commission. The choice is yours!


Maximum 97% Loan-to-Value (LTV). Must be owner-occupied; primary residence or second home only. Must be a purchase, not refinance. Minimum loan amount $50,000; maximum loan amount $1,000,000. APR = Annual Percentage Rate. Example: for a $100,000 loan for a term of 30 years with an interest rate of 4.375% (4.471% APR), the monthly payment will be $499.29. Sample payment includes principal and interest only; taxes and insurance will increase your payment. The rate you pay is based on credit history and term. Loans exceeding 80% of the appraised value of the home require private mortgage insurance. Programs, rates, terms, and conditions are subject to change without notice at any time. $5 minimum deposit required to join.

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