Mortgage Loans

Purchasing or refinancing a home.

Whether you're buying your first home or your fifth, or refinancing, our team is here to guide you through the process with expert knowledge and care.

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Connect with a Mortgage Advisor

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Benefits
Mortgage Options
Our Team
Homebuyer Assistance

How to Protect Your Info After a Credit Check

Friendly, Expert Guidance

Park View's mortgage loan advisors are award winning, experienced, local experts who will guide you through the home loan process.

Competitive Rates and Terms

Competitive mortgage rates, flexible terms, and low closing costs can help you achieve your home ownership goals.

Streamlined Process

An easy online application and local decisions combine to provide quick, convenient, customized home loans based on your needs.

Mortgage Options

Find the home loan that is right for you.

From first mortgages and refinancing to home equity loans and home equity lines of credit, turn to Park View for all of your home loan needs.

Adjustable-Rate Mortgage (ARM) Loans

A little flexibility can offer a lower initial interest rate and monthly payments

An ARM offers an initial period of lower fixed interest rates and, after a predetermined number of years, your rate may change (higher or lower) and will continue to adjust on a regular basis until you pay off your mortgage.

Start Your Application

Lower payments for the first years of a loan
Rates and payments adjust according to the market after the initial fixed period
Be in control with flexible options
An ideal solution if you plan to sell or pay off the loan within a few years

Construction Loans

Turn your dream home into reality

A home construction loan helps you bring your dream house to life, covering everything from purchasing the land to building your new home from the ground up. And at when construction is finished, Park View can convert your construction loan into a mortgage.

Learn More About Construction Loans

Interest-only payments during construction phase
Competitive rates
Flexible loan terms
Local underwriting and approval means quicker turnaround time
Options for first-time homebuyers

Fixed Rate Mortgage Loans

Lock in your principal payment and interest rate, and get worry-free, predictable monthly payments

A fixed-rate mortgage loan is the standard loan type for purchasing or refinance of a residential property. With a fixed-rate mortgage, your principal and interest payment remain the same for the life of the mortgage no matter what happens in the markets.

Start Your Application

Peace of mind knowing your payments won’t change
Competitive interest rates
Flexible down payment options
Options for first-time homebuyers and refinancing
No penalties for prepayments

FHA Mortage Loans

Get your dream home now with a low down payment option and great rates

Backed by the Federal Housing Administration, FHA loans are a great choice for borrowers who may have limited savings for a down payment, a higher debt-to-income (DTI) ratio, or a lower credit score. The FHA program offers several benefits, whether you're purchasing a new home or refinancing, making it an attractive option for many homebuyers.

Start Your Application

Down payments as low as 3.5%
Fixed terms available
Potential for lower closing costs than conventional loans
More lenient credit score standards than most home loans
FHA Loans are available for mortgage refinancing

Jumbo Home Loans

The perfect mortgage loan option for bigger dreams

When your ideal home is more expensive than most, you may want to opt for a jumbo mortgage. Non-conforming mortgages are used to finance high mortgage amounts, often for luxury homes. A loan is considered jumbo if the loan amount exceeds loan-servicing limits set by Fannie Mae and Freddie Mac.

Start Your Application

Jumbo mortgages are available for primary residences, second or vacation homes and investment properties
Purchase or refinance options
Down payment required
Variety of terms, including fixed rates and adjustable-rate loans
Competitive interest rates

Mortgage Refinance

Lower your payment and/or take cash out

Refinancing can be an opportunity to lower your monthly payments, pay off your loan quicker, or reduce your interest rate. Our team of Mortgage Advisors is here to guide you through the process and find the best refinancing options tailored to your needs.

Apply Now

Lower payment or interest rate on existing mortgage
Reduce your term to pay off your loan faster
Refinance to a fixed rate
Cash-Out or debt consolidation

USDA Mortgage Loans

For eligible properties located in rural areas and smaller towns

Park View offers loans to members through the U.S. Department of Agriculture Loan Program to make homeownership possible in rural areas. Whether your vision is to move to the mountains or settle in a farming community, a Mortgage Loan Advisor can help you figure out if you qualify.

Connect with a Mortgage Loan Advisor

Minimum 3.50% down payment
Lower credit scores
No income limits
Ideal for homebuyers with higher "debt-to-income" ratios
Allows for manual underwriting
Government backed

VA Mortgage Loans

A mortgage loan option for eligible service members, veterans and their spouses

We honor our active military and veterans by offering a path to homeownership through VA loans. Backed by the Department of Veterans Affairs, these loans help service members, veterans, and eligible surviving spouses buy homes—often with no down payment. In fact, about 90% of VA-backed loans are made without a down payment, offering flexibility for those who’ve faced financial challenges.

Interested in finding out if a VA loan is right for you?

Contact a Mortgage Advisor

0% down payment option
Flexible Credit Requirements
Competitive Interest Rates
No Private Mortgage Insurance (PMI)
Purchase and Refinance Options for Veterans
Assumable loans for veterans and civilians (which means that instead of opening a new mortgage loan, the buyer takes over the seller’s loan)

Use Your Home's Equity

Your home’s equity can be the key to financing significant expenses like home improvements or consolidating debt. Home equity loans and lines of credit provide flexible options to help you reach your financial goals.

Learn More

Federal Home Loan Banks Grant (FHLB)

Park View offers Federal Home Loan Bank Grants for qualified borrowers to assist with down payment and closing costs. Contact one of our experienced mortgage loan advisors to learn if you qualify for this grant option.

Contact A Park View Mortgage Loan Advisor

Not Sure Where to Begin in the Homebuying Process?

Download Our Homebuying Guide

Learn all about the home buying process from finding a home to application and funding in our step-by-step guide.

Discover the Difference with Park View's Mortgage Team

As a top mortgage lender in our community, Park View delivers a home financing experience that is both seamless and transparent. Our dedicated mortgage loan advisors are here to guide you through every step of your homebuying journey, from pre-qualification to the final payment. We take the time to understand your unique situation and answer all your questions, ensuring you have the support and information needed to make confident decisions. At Park View, you’re not just getting a home loan—you’re gaining the support of a local financial institution that truly cares about putting our members’ needs first.

Sue Hughes, Mortgage Operations Manager at Park View Federal Credit Union

Sue Hughes
Mortgage Operations Manager
NMLS# 314578
540.236.5764
Email Sue

Meet with Sue

Jonathan Tieszen, Senior Mortgage Loan Advisor at Park View Federal Credit Union

Jonathan Tieszen
Senior Mortgage Loan Advisor
NMLS# 653974
540.437.7405
Email Jonathan

Meet with Jonathan

Apply Online with Jonathan

Valerie Silveira
Mortgage Loan Advisor
NMLS# 2763160
540.409.4764
Email Valerie

Meet with Valerie

Apply Online with Valerie

Yo hablo español!

Myo Salinas, Mortgage Post Closer at Park View Federal Credit Union

Myo Salinas
Mortgage Post Closer
NMLS# 699270
540.236.5770

Yo hablo español!

Brandon Hypes Mortgage Loan Processor at Park View Federal Credit Union

Brandon Hypes
Mortgage Loan Processor
NMLS# 2191232
540.236.5765

The whole process was easy and straightforward. I didn't get the run around like I had at other banks. Everyone was so nice and quick to respond to emails.

Janae Speigle

A flawless process from start to finish, great communication throughout!

Lisa

Our experience with the mortgage and HELOC services at Park View has been great! The team is super helpful and makes the whole process easy.

Monte G.

I would not bank anywhere else! I love how I have always been treated by every member of Park View's staff. ALWAYS helpful in any question I had.

Lora C.

I wish I had worked with Park View earlier than this. Annie in Mortgage services in wonderful! I so appreciate her patience and genuine care for us during a stressful time. Thank you!

Laurence J.

Title & Closing Services

When you work with Members Title, our in-house title company, you benefit from full-service closing solutions, ensuring a seamless and straightforward experience throughout the loan closing process, regardless of whether you're a Park View member or not.

Learn about Title & Closing Services

Contact Park View's Mortgage Team

Have any questions? Our team of local lending experts is on hand to provide 1:1 support and personalized guidance!

Request More Information

Complete this short form² and we'd be happy to get in touch with you.

Contact Us

Let's connect! Send us an email at mortgage@pvfcu.org³ and we'll be in touch!

Apply Online

Ready to get the ball rolling? Submit your application to get prequalified¹ with us.

Disclosures

¹Rates, terms, and conditions are subject to change and may vary based on creditworthiness. Loans subject to credit approval. Certain restrictions may apply. Not all will qualify.

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Mortgage Loans

Purchasing or refinancing a home.

Friendly, Expert Guidance

Competitive Rates and Terms

Streamlined Process

Mortgage Options

Find the home loan that is right for you.

Adjustable-Rate Mortgage (ARM) Loans

Construction Loans

Fixed Rate Mortgage Loans

FHA Mortage Loans

Jumbo Home Loans

Mortgage Refinance

USDA Mortgage Loans

VA Mortgage Loans

Use Your Home's Equity

Federal Home Loan Banks Grant (FHLB)

Download Our Homebuying Guide

Meet Our Team

Discover the Difference with Park View's Mortgage Team

Sue Hughes

Jonathan Tieszen

Valerie Silveira

Myo Salinas

Brandon Hypes

Janae Speigle

Lisa

Monte G.

Lora C.

Laurence J.

Title & Closing Services

Contact Park View's Mortgage Team

Request More Information

Contact Us

Apply Online

Disclosures

1Rates, terms, and conditions are subject to change and may vary based on creditworthiness. Loans subject to credit approval. Certain restrictions may apply. Not all will qualify.

2Information submitted through this form is securely submitted to protect your personal information.

3Information sent by email is at risk of loss of confidentiality if the information is transmitted over the Internet.

¹Rates, terms, and conditions are subject to change and may vary based on creditworthiness. Loans subject to credit approval. Certain restrictions may apply. Not all will qualify.

²Information submitted through this form is securely submitted to protect your personal information.

³Information sent by email is at risk of loss of confidentiality if the information is transmitted over the Internet.