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Loans & Credit

Mortgage Loans

Member Advantage Mortgage is CommonWealth One's mortgage partner and a full service mortgage lender.  Their experienced staff offers professional advice in every area of mortgage lending.  We offer both fixed or adjustable mortgage options and everything in between.

Whether you’re looking to buy your first home, refinance your existing mortgage, or interested in using your home's equity, let us help you find the mortgage solution that is best for you.  CommonWealth One and Member Advantage Mortgage offer low rates, flexible terms and quick closings. 

Mortgage Loans

Enter our $5,000 Home Loan Sweepstakes Today!

Finance any mortgage or home equity loan or advance an existing home equity loan $10,000 or more with us by August 30, 2017. You’ll automatically be entered into a drawing for a $5,000 cash prize!* Click here to apply!

The Mortgage Process

Member Advantage Mortgage consultants are available to meet with you at your convenience to discuss a 5/5 ARM or any other of our first mortgage loan solutions. They offer expert personalized service to make your home buying or refinancing experience an easy process.  For more information, contact the mortgage consultant serving your area or visit our partner site, Member Advantage Mortgage.


Tim Cline
Harrisonburg, VA
(800) 424-3334, ext. 1296
Click here to email Tim
NMLS #192313

Stella Evans
Harrisonburg, VA
(540) 688-9355
Click here to email Stella
NMLS #270943
Licensed in North Carolina

John Springer
Washington, DC,
Northern VA , & Maryland
(800) 424-3334, ext. 7625
Click here to email John
NMLS #40971

Find Your Best Mortgage Rate: We'll Match It

Don’t waste time looking! Our mortgage representatives will match any mortgage rate from another lender*. Combine that with the trust you have in CommonWealth One and there’s no need to go anywhere else to finance your new home.  CommonWealth One and Member Advantage Mortgage offer low rates, flexible terms and quick closings.

HomeBenefitsPlus Program

HomeBenefitsPlus program rewards you with a 25% rebate on real estate commissions when buying or selling your home, saving you thousands of dollars. This program offers you a caring and experienced Counselor that will carefully assess your real estate needs and match you with an outstanding professional Realtor® to assist you.  Learn more.


  • *No purchase, obligation or transaction necessary to enter the sweepstakes. Loans must be closed September 30, 2017.  Click here for official contest rules.

  • Tim Cline is licensed by the Virginia State Corporation Commission, MLO-479VA, NMLS #192313. John Peter Springer is licensed by the Virginia State Corporation Commission, MLO-7858VA, NMLS #40971. John Peter Springer is also licensed in Maryland with LIC #19734, and with District of Columbia LIC #MLO 40971. Stella Evans is licensed by the Virginia State Corporation Commission, MLO-4038VA, NMLS #270943. Stella Evans is also licensed in North Carolina with the North Carolina LIC#1-69847. Member Advantage Mortgage LLC is licensed by the Virginia State Corporation Commission, Mortgage Lender License MC-5045, NMLS #1557.
  • When refinancing your current existing loan, it is possible that your total finance charges may be higher over the life of the loan. Please check with your mortgage consultant in regards to your personal situation. Your rate may change or not be available at the time of loan commitment or lock-in.
  • Best Rate Guarantee - certain conditions apply.  Read more.