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Mortgage, Home Equity

Home Loans That Meet Your Needs

It’s all online, get started today!

Ready to be a homeowner? Apply online today, get pre-approved, and call your realtor! Experience the credit union difference with a home loan from Valley Credit Union.

We want you to feel supported during this process, if you have any questions please contact our member service representatives.

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Are you ready to take that next big step in your life? Are you looking for room to expand your family? Are you ready to become a homeowner?

Whether you are purchasing your first home, a second home, or refinancing your current home, Valley Credit Union is here to help. As a member of Valley Credit Union, you’ll receive the benefit of working with us and one of our exceptional partners, Centennial Lending. Together, we’ll take care of all of your credit union mortgage needs.

Our partnership with Centennial Lending enables us to offer competitive rates, flexible terms, and a variety of loan options to fit your needs. With staff  that is seasoned, helpful, and ready to make your homeownership dreams a reality!

Simply apply online, no need to come in to a branch, and we will take care of the rest! It is our goal to make the home buying experience easy and as stress-free as possible.

Our team has years of experience helping our members find their perfect mortgage option. We offer pre-approvals so let’s get started finding your new home today!

Get the right home loan for the living space you crave

When you choose to get a credit union home loan through Valley Credit Union, you’ll have access to the following mortgage products from us and Centennial Lending:

Fixed Rate Loans

Perfect for individuals who needs consistency! Your interest rate is locked, so you’ll know exactly how much is due each month.

Adjustable Rate Loans

These loans start off at a low interest rate, but are subject to increase depending on market values.

FHA Loans

Also known as Federal Housing Administration loans. These loans include mortgage insurance and allow you to purchase a home with a down payment as low as 3.5%

VA Loans

Guaranteed by the Department of Veterans Affairs, this loan is designed to provide long term options for eligible veterans and their spouses.

Interest Only Loans

Typically a 5-7 year loan, this loan is designed so the borrower pays a fixed interest. When the term is up, some individuals choose to refinance, but depositing a lump sum is also an option.

Investment Property

For the serious investor, these loans require a minimum down payment of 20%. Having at least 2 years property management experience will help you qualify.

Bridge Loans

This loan bridges the gap during a transitory period in your life. Individuals tend to apply for this loan when they are selling and buying a house.

Balloon Loans

This loan will not fully be paid off over its typical 5-7 year term. Once the loan term is up, refinancing or repayment is often needed.

Jumbo Loans

Exactly as it sounds, this loan is used for times when the loan amount exceeds federally established loan limits.

Home loan information - no one reads the fine print

Together with Centennial Lending, we offer mortgage resources that help you figure out when lending rates are the lowest, what loan options are available to you and how to calculate what your possible mortgage payment would be. Making sure you have all the information you need to get the right home loan at the best rate.

Current Rate

Check out the most current rates. Sign up to receive e-mail updates so you can be up to date with mortgage rates!

Loan Options

Research the loan options you’ll have access to. Dive into our database of frequently asked questions and get all of your mortgage questions answered!

Loan Payment Calculator

Nothing puts the mind at easy like knowing how much your mortgage payment will be. The loan payment calculator will help you decided what type of mortgage is best for you!

Learn More About Our Home Equity Loans

Use a Home Equity Line of Credit (HELOC) to pay off debts, make home improvements, pay for college tuition or to take that dream vacation - whatever your reason, Valley is here to help!

  • Rate discount available with auto pay from your Valley checking account
  • Variable or Fixed rate
  • Minimum payment 1% of the outstanding balance monthly 
  • 10 year draw period with a 10 year repayment period
  • Loan up to 90% of loan to value (LTV)
  • No pre-payment penalties
  • Low processing fee and annual fee

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*APR = Annual Percentage Rate. The interest rate a member pays is based on the member's credit worthiness, credit history, loan-to-value ratio and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Membership requirements apply.