Mortgage & Home Equity
Fixed Rate Mortgage
When you purchase a home, you want to know what your monthly payment is going to be each month so you can plan your budget. With a fixed-rate mortgage from JVB, you can select a loan term anywhere from 15-30 years and your rate will be locked in for the life of the loan.
Adjustable Rate Mortgage (ARM)
If a fixed rate isn’t for you, you may want to consider an adjustable rate mortgage (ARM). A 5- or 7-year ARM gives you an initial period of time when your annual percentage rate and monthly payment of principal and interest remain the same (five or seven years); after the initial period, the rate then adjusts annually. This product is perfect for homeowners who expect to change homes before the mortgage period ends. An adjustable rate mortgage frequently provides a lower interest rate than a fixed rate mortgage. You will also enjoy peace of mind knowing that your loan includes limits on the amount your rate can change annually and over the life of the mortgage.
Construction and Renovation
When you are ready to build a new home, or renovate your existing home, let JVB take the work out of financing your project. Our goal is to make the “business end” of the construction process easy, so you can focus on the project at hand. One-stop permanent financing is available with attractive fixed and variable rate options.
Are you in the market for a larger loan? Visit one of our branches to discuss a jumbo mortgage. Jumbo financing includes fixed and adjustable rate mortgages, with a range of terms to accommodate immediate and long-term financing.
Speak to one of our lenders to see if you are qualified for a USDA mortgage. No down payment is required, and there is no maximum purchase price. JVB offers competitive 30-year fixed rates as well as flexible credit guidelines.
If you want to refinance your existing mortgage to enjoy lower monthly payments and put additional cash in your wallet (or your retirement account!), apply online or visit your local JVB branch. One of our lenders will be available to discuss the perks and benefits of refinancing.
JVB is ready when you are. Our approvals take less time, allowing you to take advantage of opportunities as they arise. Use the “GET STARTED” button here to begin the process to get qualified for a loan. A few minutes is all you need!
Home Equity Installment Loans
Put the equity in your home to use and give yourself peace of mind with a fixed interest rate and monthly payment.
A Home Equity Installment Loan allows you to use the equity in your home to make major purchases, finance an education or make home improvements. Interest paid on Home Equity Installment Loans may also be tax deductible.*
Home Equity Lines of Credit
Put your most valuable asset to work for you with a JVB Premier Home Equity Line of Credit (HELOC). The Premier HELOC gives you flexibility and convenience. Additionally, interest paid on a Home Equity Line of Credit may be tax deductible.*
- Readily available cash for immediate and future needs, such as debt consolidation, college tuition, vacation, emergencies or home improvements
- Flexible payments
- Flexibility of continual use of funds.
*The Juniata Valley Bank (JVB) does not offer tax advice. Please consult your accountant or tax adviser.
Loan Information and Error Resolution
When you need information about your mortgage loan or believe there is an error on your mortgage billing, please contact us. This can be done by phone call to our Customer Care Center toll-free at 1-855-582-5101, by email, or in written format. Written communications must include your name, your mortgage loan account number, the address associated with your mortgage, and a description of the information and/or the error which needs to be resolved. Written communications must be sent to: Mortgage Department, The Juniata Valley Bank, PO Box 66, Mifflintown, PA 17059.