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Mortgage & Home Equity Loans
When you're looking for a mortgage company or home equity loan provider in central PA, look no further than the local bank around the corner. JVB's friendly, knowledgeable and efficient service takes the stress out of financing a new home purchase, refinancing an existing mortgage, or putting your home equity to work in a loan or line of credit.
For 150 years we've prided ourselves on treating every customer--from the young couple buying a starter home to the experienced farmer with hundreds of acres--with respect. JVB provides all kinds of mortgage solutions--even specialized solutions for the borrower with unique needs.
Learn more about our mortgage and home equity solutions below and stop by your local branch or lending office in Centre County, Franklin County, Juniata County, McKean County, Mifflin County, Perry County, or Potter County to speak to a JVB lender.
To help you prepare for the mortgage loan process, please take advantage of these tools:
Document Checklist for Mortgage Application
Use these links to take you quickly to the mortgage type you need:
Fixed Rate Mortgage
Figuring out the monthly payment you can afford is an important step in the home buying process. With a fixed-rate mortgage from JVB, you can select a loan term anywhere from 15-30 years and your interest rate will be locked in for the life of the loan. A mortgage payment that never changes makes it easier to budget and plan for the future.
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 adjusts annually. An adjustable rate mortgage frequently provides a lower interest rate than a fixed rate mortgage. This product is perfect for homeowners who expect to change homes before the mortgage period ends. 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.
Welcome Home RateBreak
Save thousands during the first 2 years of a new mortgage with Welcome Home RateBreak. This exclusive offer drops your rate by 2%1 the first year of your loan and 1% the year after when choosing a HomeReady® or Home Possible® mortgage loan.
As an added bonus, Welcome Home RateBreak is available at no added cost to you. This offer will save you thousands during the first 2 years in your new home, making it easier for you to take care of home furnishings, updates and more.
GET STARTEDConstruction and Renovation
When you are ready to build a new home or purchase to renovate, 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.
Jumbo Mortgage
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.
FHA Mortgage
An FHA Home Loan is a type of mortgage insured by the Federal Housing Administration (FHA). The FHA mortgage program is available to all home buyers working with an approved lender. These home loans may be particularly attractive to first-time buyers or anyone wishing to make a lower down payment. Because FHA loans are backed by the government, buyers with lower credit scores who would not qualify for conventional mortgages may be able to get an FHA loan. In return, FHA borrowers pay an upfront mortgage insurance premium as well as annual mortgage insurance payments. Speak to one of our lenders to see if an FHA mortgage is a good fit for you.
VA Mortgage
VA Home Loans are guaranteed by the U.S. Department of Veterans Affairs, enabling private lenders to offer better mortgage terms to Service members, Veterans, and eligible surviving spouses. With a VA Purchase Loan, you can buy a house without making a down payment or paying for private mortgage insurance. Speak to one of our lenders to see if you are eligible for this program. JVB offers competitive 30-year fixed rates as well as flexible credit guidelines.
Shared Equity Mortgage
Also known as a family-backed mortgage, this type of home loan allows parents or other relatives to help young homebuyers obtain financing with a small down payment or none at all. The family member uses their own home equity as collateral to cover the down payment for the younger borrower until the new homeowner pays off enough of their mortgage to attain equity in the house. Learn more about shared equity mortgages.
Mortgage Refinance
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. Our 15 community offices are conveniently located across Central and North Central PA. At every branch, one of our lenders will be available to discuss the perks and benefits of refinancing.
Get Prequalified
JVB is ready when you are. Our approvals take less time, allowing you to start looking at houses with a real estate agent or to take advantage of other opportunities as they arise. Use the “GET STARTED” button here to begin the process of qualifying for a mortgage or home equity loan. A few minutes is all you need!
Home Equity Installment Loan
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 Loan allows you to use the equity in your home to make major purchases or finance home improvements. Interest paid on Home Equity Installment Loans may also be tax deductible.*
Home Equity Line 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.2 Benefits include:
- 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.
1The 2-1 temporary buydown offer is funded by Rocket Mortgage. Clients will receive an effective rate reduction of 2% below the note rate in the first year and 1% below the note rate in the second year. Offer only valid on HomeReady® or Home Possible® loans. Maximum loan amount of $350,000. Buydown funds may not be redeemed for cash or credit and are nontransferable. This offer cannot be retroactively applied to any loans in process or closed loans. Offer is subject to changes or cancellation at any time at the sole discretion of Rocket Mortgage. Additional restrictions/conditions may apply. This is not a commitment to lend.
2The 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.
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