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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

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Custom Rate Quote  Loan Consultant Tool

Mortgage calculators

home financing guide

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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 HVCU.

Refinance an Existing Mortgage

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mortgage calculators


  • 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
First-time Homebuyers

Mortgage Savings Accounts

Becoming a homeowner is an exciting milestone, and one that we want to help you achieve with our special Mortgage Savings Account. By saving as little as $100 a month, you can earn up to $1,000 towards your closing costs when you finance your mortgage with HVCU.

Explore Mortgage Savings

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 HVCU 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

Schedule of Mortgage Servicing Fees

Each county charges a satisfaction fee when you pay your mortgage in full and this fee will be passed on to you. Satisfaction fees range from $60.50 to $750.00 depending on the county in which the property is located. Your actual satisfaction fee will be determined at the time of the payoff and the property location.

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