Meet Our Mortgage Loan Officers

Please be advised that the fee charged by HVFCU in connection with an appraisal of the property used to secure this transaction is NON-REFUNDABLE. Residential property values have experienced significant declines in recent years and may be subject to further decline. Any potential value discussed between you and HVFCU at or prior to the time of application for a mortgage should not be construed as a formal estimate of value for the property being financed. A formal opinion of value will be conducted by a professional appraisal firm which operates independently of HVFCU, and HVFCU employees are expressly prohibited from discussing or influencing the appraiser’s opinion of home values in any way.

Our Mortgage Accelerator Program is a free service for fixed rate mortgages that offers a payment structure similar to a bi-weekly payment option. You can start or discontinue the program at will without the need or expense of refinancing your mortgage. To take advantage of MAP, please complete and return our MAP AutoPay form.

How MAP Works

• Every two weeks, one half of your regularly scheduled mortgage payment is automatically deducted from your HVFCU checking or savings account and deposited into a specially marked savings account (your Mortgage Accelerator Program account).
• On the first of each month your payment is “swept” from your MAP account and applied to your mortgage payment.
• After your mortgage payment is paid, additional funds and dividends are applied to your outstanding principal balance. In essence, twice per year your principal is reduced by one half payment.
• You can also choose to increase your payments for additional interest savings on your mortgage. Deposits can be made to your MAP account at any time.