Meet Our Mortgage Loan Officers
When it comes to buying a home, deciding who will finance your mortgage is an important decision. Selecting a mortgage lender should be based on more than just the lowest rate. You want a lender who’s a good fit— the right match for you as a borrower. Mortgage lending should be a collaborative process between you and your lender.
Our Mortgage Loan Officers are here to help make the loan process as smooth as possible for you, and can help you:
- Determine the best mortgage for your needs, that also fits within your budget
- Complete your application, whether online, over the phone, or in person
- Gather the required documentation to process your application
- Lock in your rate and fees once you find the home you want to purchase
If you are already working with a loan officer, please select that individual from the list below and apply through their personalized web page. If you are not working with a loan officer at this time, please select the one assigned to the branch most convenient for you.
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
- Homebuyer Guide
- Mortgage Calculators
- Mortgage Accelerator Program (MAP)
Mortgage Accelerator Program (MAP)
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.
Important Legal Disclosures & Information
The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.