Home Loans Made Simple

Buying a home or refinancing your current mortgage should feel exciting—not overwhelming. At River Valley Credit Union, we make the mortgage process easier to understand and easier to navigate.

Whether you’re buying your first home, moving to your next one, or looking to refinance, our team is here to help you explore your options and move forward with confidence.

Start With the Questions Most Homebuyers Ask

If you’re just getting started, you’re not alone. Many people begin their home journey with questions like:

• How much home can I afford?

• What will my monthly payment be?

• Do I need to get pre-approved first?

• What type of mortgage is best for me?

• Would refinancing help lower my payment?

You don’t need to have everything figured out before reaching out. Our mortgage team is here to walk you through your options and help you take the next step when you’re ready.

Mortgage Options for Buying or Refinancing

River Valley Credit Union offers a variety of mortgage solutions designed to support different financial situations and homeownership goals.

Home Purchase Loans

Whether you’re buying your first home, upgrading, downsizing, or relocating, we’ll help you find a mortgage option that works for your situation.

Mortgage Refinancing

Refinancing may allow you to:

• Lower your monthly payment

• Adjust the length of your loan

• Switch from an adjustable rate to a fixed rate

• Consolidate debt into your mortgage

Loan Programs Available

• Conventional Loans

• FHA Loans

• VA Loans

• USDA Loans

• Jumbo Loans

• First-Time Homebuyer Programs

• MSHDA Programs

• Fixed-Rate Mortgages (10, 20, and 30-year terms)

Not sure which option is right for you? We’ll help you compare options so you can make the best decision for your goals.

How the Mortgage Process Works

Getting started with a mortgage is simpler than you might think.

Step 1: Start Your Application

Apply online or reach out to talk through your questions.

Step 2: Review Your Options

We’ll help you explore available loan programs and what may fit your financial situation.

Step 3: Get Pre-Approved

Pre-approval helps you understand how much home you may qualify for and shows sellers you’re a serious buyer.

Step 4: Move Toward Closing

Our team will guide you through the rest of the process so you know what to expect each step of the way.

Many River Valley mortgages close in less than 30 days, helping you move forward faster.

Meet Your Mortgage Specialist

JoAnn Pugh

With more than 20 years of experience helping members navigate home financing, JoAnn works closely with buyers and homeowners to make the mortgage process clear and comfortable.

Whether you’re buying, refinancing, or just exploring your options, she’s here to help.

Why Choose River Valley for Your Mortgage?

• Personalized support from a local mortgage expert

• Loan options for both buyers and refinancers

• Help for first-time and experienced homeowners

• Easy online application process

• Fast turnaround times

• A team focused on helping members succeed

At River Valley Credit Union, you’re more than an application—you’re a member.

Ready to Take the Next Step?

Whether you’re ready to buy, thinking about refinancing, or just starting to explore your options, we’re here to help you move forward.

Think River Valley First when it comes to your home loan.

Or use our contact form.

Please be aware email communication is not secure. Please do not include confidential information (Social Security number, account number, etc.) in any part of the email message.

JoAnn Pugh (NMLS# 168895)
Jordan Boon (NMLS# 1853096)
Member Mortgage Services (NMLS# 131062)

River Valley Credit Union is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.