A young, bearded man boxes up items with his wife before they move to their new home.

Mortgage & Home Equity Loans

When you're looking for a mortgage company 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. Learn more about our mortgage and home equity solutions below and stop by your local branch in Centre County, Huntingdon County, Juniata County, McKean County, Mifflin County, Perry County, or Potter County to speak to a JVB lender.

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.


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.


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.


USDA Mortgage

Also known as a Rural Development loan, USDA-backed mortgages are available to rural and suburban home buyers. Speak to one of our lenders to see if you are eligible for this program. 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.


First Front Door (FFD) Program

JVB is a participating member of the FHLBank Pittsburgh’s First Front Door (FFD) program for first-time home buyers. This first-come, first-served grant opportunity is available for a limited time each year. If you qualify for an FFD grant, you can receive $3 for every dollar you contribute to a down payment and closing costs. The maximum grant amount is $5,000. Speak to one of our lenders about FFD availability and your eligibility for the program.

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.* 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.

Apply for any of our mortgage and home equity loans online or contact us to get started.

*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.