Celebrating 80 years of serving the Miami Valley, Day Air Credit Union is proud to be Dayton’s truly local credit union. With a laser focus on our community, no one is more local than Day Air.
We’re also the only financial institution in the region designated as a Community Development Financial Institution (CDFI)—a distinction that reflects our commitment to serving low-to-moderate income individuals and families with a full range of financial services.
As a CDFI, we’re especially focused on helping first-time homebuyers. Our CDFI No Money Down Mortgage is a 20-year fixed-rate loan with no private mortgage insurance (PMI) and no down payment required. This unique portfolio product helps buyers:
- Build equity faster with a shorter loan term
- Keep monthly payments comparable to a 30-year loan by eliminating PMI
- Purchase a home without the burden of a large upfront payment
This program has already helped hundreds of members achieve the dream of homeownership.
In addition to our CDFI offerings, Day Air provides a full suite of traditional mortgage solutions designed to meet a wide variety of needs. These include: - Conventional loans with competitive rates and flexible terms
- FHA, VA, and USDA loans for qualified borrowers
- Construction loans for those building their dream homes
We also offer a unique Equity Bridge Loan, which allows current homeowners to tap into their existing home equity to make non-contingent offers on new properties—helping them stay competitive in today’s fast-moving market.
With local decision-making, personalized service, and innovative solutions, Day Air is proud to be a trusted lending partner for homebuyers, homeowners, and real estate professionals alike.
If you or your clients are looking for a local partner for home financing, visit us online, email mortgages@dayair.org, or call 937-643-2160. We’re here to help make homeownership possible.
