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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Friendly, Expert Guidance

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

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Competitive Rates and Terms

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

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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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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?

  • 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.

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.

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. 

Meet Our Team

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.

Jonathan Tieszen, Senior Mortgage Loan Advisor at Park View Federal Credit Union
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Yo hablo español!

Jennifer Thompson, a mortgage loan advisor, wearing a gray shirt at Park View Federal Credit Union.
Sue Hughes, Mortgage Operations Manager at Park View Federal Credit Union
Myo Salinas, Mortgage Post Closer at Park View Federal Credit Union

Yo hablo español!

Brandon Hypes Mortgage Loan Processor at Park View Federal Credit Union
  • Brandon Hypes

  • Mortgage Loan Processor
    NMLS# 2191232

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.

Members Title logo, Park View Federal Credit Union's in-house title and closing agency

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.
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.