Mortgage
Explore MHV mortgage and home loan options for buying, building, or refinancing a home, with flexible financing and guidance for your homeownership journey.
home loan
Your next home adventure starts here.
Whether you're buying your first home, building from the ground up, or refinancing to save, MHV's local mortgage team supports you every step of the way.
Features
Get Pre-Qualified
Take the first step towards homeownership with a simple pre-qualification process.
Apply Online
Apply within 15 minutes with our quick and easy online application.
Application Status
Already applied? Check on the status of your application.
Get Expert Answers
An MHV Mortgage Expert is here to guide you every step of the way.
Start the mortgage process
Fill out the form to start the mortgage process. A home loan expert will be in contact with you shortly.
Today's Mortgage Rates
* Rates current as of 6/22/2026
30 Year Fixed Rate
7.50%
Interest Rate
7.57%
APR*
20 Year Fixed Rate
7.50%
Interest Rate
7.58%
APR*
15 Year Fixed Rate
6.50%
Interest Rate
6.52%
APR*
Renovation Financing: Buy The Fixer-Upper
Sometimes the house you desire—or the only one you can afford—requires some updating. Renovation Financing allows you to incorporate a renovation loan into your mortgage. This innovative option enables you to purchase the home and cover renovation costs, all while making just one monthly mortgage payment.
Talk to a Mortgage Expert today to see whether your purchase could qualify for renovation financing.
Adjust the inputs to see how much your mortgage would cost over time
5 Steps to Get Started
Get Prepared
Calculate
Pre-Qualify
Find a Home
Final Walkthrough & Closing
Set yourself up for success
Pre-Qualify for Your Mortgage
Getting a pre-qualification proves that you’ve already lined up financing and have the ability to go through with the sale, which makes you a more attractive buyer to sellers.
What is Needed for a Mortgage Application?
You may submit these documents through our Application portal:
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Last 2 years W2's and 2 current paystubs evidencing at least 30 days of year-to-date income
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Last 2 months bank statements for all savings and checking accounts
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If self-employed: Last 2 years signed tax returns with all schedules
How Long Does it Take?
Grab this download for the steps of a mortgage application, estimated timeframes, and a list of required documents.
Meet Our Mortgage Experts
Our Mortgage Experts will help guide you through the entire mortgage process and recommend a trusted realtor.
Bill Walsh
Branches Covered:
Michael Riger
John Reidy
Denise Quinn
Branches Covered:
Tom McHugh
Dan Lusignan
Guy Greco
Branches Covered:
Rick Farrow
Branches Covered:
Shawn Simmons
Commonly asked questions about mortgages
A good rule of thumb is that your total housing costs stay within about a third of your gross income, but our mortgage team can run the numbers with you to find a comfortable budget.
Pre-qualification is a quick estimate based on the information you provide. Pre-approval is a more thorough review with documentation, giving you a stronger position when you make an offer.
Yes. We offer programs with lower down payments and added guidance for first-time buyers — see our First-Time Home Buyer page for details.
Absolutely. Whether you want a lower rate, a different term, or to tap your equity, our refinance options can help. Visit our Refinance page to learn more.
Finding, Buying & Financing Your New Home
Download our free guide, “Your Journey to Homeownership”, for the knowledge you need to start on the path to homeownership. Whether you’re buying your first or second home, we’ll guide you through the process so you can feel confident and empowered to get started.
