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Mortgage Loans

Your dream of home ownership can be a reality with a home loan from WBVFCU. Whether you're looking to purchase your first home, upgrade or downsize your home, or you want to refinance your existing mortgage; we offer an extensive selection of real estate loans designed to meet your needs. WBVFCU has proudly partnered with Rocket Mortgage to offer competitive loan rates with a variety of loan programs.

  • Fixed and Adjustable Rate Mortgages
  • Low Down Payment Loans
  • Refinance Mortgages
  • FHA and VA Loans
  • Jumbo Loans

We can help you through the entire loan process, getting you the right loan for your budget with our hassle-free loan process and the personal service you deserve.

To apply for a Mortgage, please stop by the branch or call us at (570) 323.9407. 

ONE+ Mortgage

We can help you get into your home, without a hefty down payment. With this unique loan, you put down 1% and our partner lender, Rocket Mortgage, will cover the other 2%. You get all the benefits of a 3% down payment! ONE+ is for eligible buyers who make less than 80% of the area median income of where they are buying, and has a maximum loan amount of $350,000, for primary residence only.

VA Loans

VA Loans are designed to support service members and veterans for their sacrifice to our country. They are a more affordable option for our country's heroes featuring low rates, no monthly mortgage insurance, no down payment requirement and allow for lower credit scores than traditional mortgages.

FHA Loans

FHA loans are government-backed and insured by the Federal Housing Administration. They can be a great option if you have a few bumps in your financial history. An FHA Loan has a low down payment requirement of 3.5%, and is easier to qualify for approval with higher debt and/or lower credit scores.

Conventional Loans

Conventional loans are not insured by the federal government, and typically require a higher credit score and lower debt ratio. People who choose conventional loans typically make a higher down payment to avoid having to pay for private morgage insurance (though a 20% down payment is not required).

Jumbo Smart Loan

If your next home is on the higher end of the scale, you may need an unconventional loan. The Jumbo Smart Loan features a low 10.01% down payment, doesn't require mortgage insurance and offers loan amounts up to $2 million, for primary residence and investment properties. 

NLMS# 1575139