Welcome to The Juniata Valley Bank Mortgage Center!
You can find answers to your mortgage loan questions, get prequalified for a mortgage loan, or begin an application right away. The menu to the left is your guide. Each link will help you reach the information you need. Here’s how to get around the mortgage loan center:
If you are interested in learning how much of a home you may qualify for, start with PRE-QUALIFY. You will be asked a series of financial questions that will produce a suggested amount for a home, based on the answers you provide. Using your current income and expense information, a pre-qualification letter can be created for your use when visiting realtors. This letter will be of great value as you shop for a home to purchase.
APPLY ONLINEWhen you have a home in mind and you are ready to complete an application, use the APPLY ONLINE menu option. Answer a few easy questions and our online mortgage system will suggest the mortgage type best suited to your needs. Start your application today!
FIXED MORTGAGE RATES
Use the FIXED MORTGAGE RATES menu option to review all the fixed mortgage rate programs we have available for you. When you have chosen the one that best fits your needs, click on the apply button to the right of your selection. You’ll be directed to an online application for that mortgage type.
ADJUSTABLE MORTGAGE RATESUse the ADJUSTABLE MORTGAGE RATES menu option to review all the adjustable mortgage rate programs we have available for you. When you have chosen the one that best fits your needs, click on the apply button to the right of your selection. You’ll be directed to an online application for that mortgage type.
HOME EQUITY LOANS
Home Equity loans and lines of credit allow you to borrow against the equity you have in your property. Use the HOME EQUITY RATES menu option to review all the Home Equity loan programs we have available for you. You can choose from a closed-end loan for a specific amount and time frame, or choose a Home Equity Line of Credit. After you have determined which program best fits your needs, click on the apply button to the right of your selection. You'll be directed to an online application for that type of Home Equity loan or line of credit.
The SAVED APPLICATIONS link takes you to your applications completed or pending applications. You can save an application anytime during the application process. If you get interrupted while you are working on your application, just save it! You can come back to it any time within 90 days. Also, if you complete and submit an application, it can be reviewed at any time by coming back to SAVED APPLICATIONS. You will be asked to log in using your email address and the password you chose for your account.
FINANCIAL TERMS DEFINED
If you find yourself confused by the myriad of mortgage and financial terms used to describe mortgages and mortgage programs, use the FINANCIAL TERMS DEFINED link. This page provides definitions to all manner of mortgage and financial terms to help make the mortgage loan process so much easier to understand.
FREQUENTLY ASKED QUESTIONSVisit the FREQUENTLY ASKED QUESTIONS page for additional information about the mortgage application process. We have attempted to provide answers to the questions most frequently asked by a mortgage loan applicant.
MORTGAGE LOAN OFFICERS
If you are looking for a specific loan officer, visit the MORTGAGE LOAN OFFICERS page. We have listed all of our Community Office Managers with their corresponding office, county, and phone number. If you would like to email one of them, use the convenient “email me” link provided.
The MORTGAGE CALUCLATORS page provides all types of helpful calculators to guide you through your mortgage loan decision. We have: Monthly Payment Estimator, Affordability Calculator, Minimum Income Calculator, Prepayment Calculator, Refinance Calculator, Improve or Move Calculator, and Rent vs. Buy Calculator. Crunch the numbers with any of our helpful financial calculators!
RATE TRACKERIf you are interested in following the rates and want to be alerted when we have a rate that matches your request, use the RATE TRACKER feature available to you on the RATE TRACKER page.
To assist our customers to have all the documents and information on hand that are needed to complete an application, we have created a CUSTOMER CHECKLIST which can be printed for your convenience in assembling your information.
If you would like to have a mortgage loan officer from The Juniata Valley Bank call you directly rather than apply online, or you have a special loan request, please use our CONTACT US page. A loan officer will contact you, generally within 2 business days, to personally speak with you.