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We can help you with:

First Homeowner

Mortgages
 

Refinances
 

The Path to Homeownership Starts in 4 Simple Steps

With over 90 years of combined experience, our Mortgage experts will help guide you through the entire mortgage process and recommend a trusted Realtor.

1) Compare

Review and consider which Mortgage may be the best option for you. We can help!

2) Prepare

There are a few ways you can get prepared. We’ll guide you through some considerations before you apply.

3) Calculate

Use our calculator to estimate your monthly payment.

4) Pre-Qualify

Getting pre-qualified will tell you how much you can borrow so you can shop for your new house with confidence.

 

COMPARE YOUR MORTGAGE OPTIONS

 

Fixed Rate Mortgage
A Fixed Rate (Conventional) Mortgage has monthly principal and interest payments that remain the same throughout the life of the loan (unless property taxes, insurance premiums or homeowners/condo association fees change). It is recommended for those that do not want their loan to fluctuate with market rates.
Adjustable Rate Mortgage (ARM)
An ARM has an interest rate that can change at designated intervals throughout the life of the loan. These rate changes are based on a financial index, and when these changes occur your monthly payment may increase or decrease. Most ARMs will have a lower interest rate than a Fixed Rate Mortgage. An ARM is recommended for those who want to take advantage of lower initial payments, those that expect to move before any rate increases, or for those who expect their income to rise.
Federal Housing Administration (FHA) Loan
An FHA Loan is a type of government-backed Mortgage that requires a smaller down payment (as low as 3.5% down), lower closing costs, and has more flexible qualification requirements as compared to a conventional Mortgage. This loan is recommended for those that do not have a lot of money for a down payment or for those that have lower credit scores.

 

 

PREPARE FOR YOUR ADVENTURE

Review your credit score & report

We recommend you check your credit report before applying for your Mortgage, by visiting www.annualcreditreport.com.

Check our rates

Check out our low, competitive rates and terms. Not sure which one if right for you? Our Mortgage Originators can help! Check rates here.

Save for your down payment

Set up an automated savings plan to make it easier to build toward your down payment goal. Automate savings by taking a portion of your paycheck and having it directly deposited into your savings account.

 

DownloadDOWNLOAD OUR FREE ROAD TO HOMEOWNERSHIP GUIDE

 

 

CALCULATE YOUR MONTHLY LOAN PAYMENT

 

 

 

LET'S HELP YOU ON YOUR JOURNEY!

 

 

 

"I have been using the credit union for over 30 years and have been very happy with MHV as my primary financial institution. Savings account, checking account, safe deposit box, and money market are some of the services I currently use. In addition, my husband was able to work with the loan department to help his nephew obtain a loan to help his credit. "

Carol T.

"MHV has easy access to local branches, extended hour teller machines, competitive rates on loans and mortgages and an easy loan application process. Great quality of service. "

Michael B.