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Mortgage Loans & New Home Financing

We know that when it comes to home financing, everyone’s needs are different. Your stage in life, the size of your family, your income, budget, and savings all come into focus when you’re buying, refinancing, or building a home. It’s important to educate yourself and shop wisely when financing a home. Even a small difference in points, fees, payment type, or down payment can add up to thousands of dollars, affecting your monthly payment or your ability to finance. Questions to Ask Yourself When Choosing a Mortgage


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Home Purchase

Apply for fixed and adjustable rate loans to purchase 1-4 family homes, townhomes, condos, or PUDs (planned unit developments) in New York, Pennsylvania, and Connecticut.

Apply or Get PRE-approved

View Today's Rates

Custom Rate Quote  Loan Consultant Tool

What to Expect

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Home Refinance

Refinancing could save you hundreds of dollars on your mortgage. Our online application is the fastest, easiest way to refinance and save with HVFCU.

Refinance an Existing Mortgage

View Today's Rates

Custom Rate Quote  Loan Consultant Tool

What to Expect

  • Conventional Fixed Rate
  • Jumbo Fixed Rate
  • Renovation
  • Residential Investment Property
  • Second Home
  • Land
  • SONYMA Low Interest Rate
  • SONYMA Achieving the Dream
  • FHA Loans
  • VA Loans
  • Rural Housing Loans
  • Down Payment Assistance Program: First Home Club
First-time Homebuyers

First-time Homebuyers

Are you paying $1,200 or more a month in rent? The reality is you could own a home and have a similar monthly payment. If your household income is $50,000 annually, a $150,000 home could be affordable with a 10% down payment. Home prices and interest rates are still at low levels This is the ideal time to become a homeowner.


Explore First-time Homebuyer

Meet Our Mortgage Loan Officers

Our Mortgage Loan Officers can help you compare your options and complete your application online, over the phone, or in person. They can also assist with gathering the required documentation you need to process your application.

Select a Mortgage Loan Officer

Loan Officers

What to Expect with an HVFCU Mortgage

  • Low mortgage rates
  • Low down payment options
  • Free pre-approvals
  • Fast turnaround
  • Low closing costs
  • No mortgage pre-payment/payoff penalties
  • In-house account servicing
  • Local decision making

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