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Mortgages & Home Equity Lines of Credit

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Whether you are buying or refinancing. Peoples FCU is ready to help!

Todays Rates!

Home Loans
APR = Annual Percentage Rate
APR as low as
Mortgage - 10 yr 2.375%
Mortgage - 15 yr 2.625%
Mortgage - 20, 25, 30 yr Contact for rate
Home Equity Line of Credit 4.00% variable

Mortgages

Dreaming of a new home, or do you need to refinance your existing for a better rate? Peoples FCU has a program to fit your needs!

  • Purchase or Refinance.
  • FHA/VA/USDA/First Time Buyer Programs available.
  • Manufactured Home financing available. Call for details.
  • Automatic loan payments from your Peoples FCU checking or savings account.
  • 24/7 access to current balances, transaction history, payment due dates.
  • Bi-Weekly loan payment options. No prepayment fees or penalties.
APPLY NOW


Home Equity Lines of Credit (HELOC)

Allow the equity in your home to work for you! Whether it’s a dream renovation, dream vacation, or dream education, the equity in your home can allow all of your dreams to come true!

  • Borrow up to 90% of your Home’s Equity.
  • Manufactured Homes (Doublewide or Larger) on permanent foundation eligible.
  • Use what you need when you need it, up to the amount of your credit line.
  • Monthly payments based on what you owe and drop as you pay the line down.
  • Peoples FCU pays closing costs.
  • Call for details.
Apply Now

ITEMS NEEDED FOR MORTGAGE APPLICATION

  1. Most recent 30 days paystubs from your employer or award letters for SS and/or pensions
  2. Most recent two years W2 forms and full tax returns/or 1099's
    If self-employed, need 3 years tax returns (most recent).
  3. Most recent 30 day bank statements for any checking or savings accounts not with PFCU (all pages of each statement)
  4. Quote for Homeowners Insurance
  5. Purchase agreement signed and dated by seller and purchaser
  6. Copy of ID
  7. Completed application and disclosures

ITEMS NEEDED FOR HELOC APPLICATION

  1. Most recent 30 days paystubs from your employer or award letters for $$ and/or pensions received
  2. Most recent two years W2 forms and/or 1099's.
    If self-employed, need tax returns
  3. Most recent 30 day bank statements for any checking or savings accounts not with PFCU (all pages of each statement)
  4. Copy of Deed to home (if available)
  5. Copy of Homeowners Insurance
  6. Mortgage Statement from present mortgage

ACCESS MORTGAGE APPLICATION

ACCESS HOME EQUITY LINE OF CREDIT APPLICATION

ITEMS NEEDED FOR MORTGAGE REFINANCE APPLICATION

  1. Most recent 30 days paystubs from your employer or award letter for $$ and/or pensions received
  2. Most recent two years W2 forms and 2 full tax returns (most resent) / or 1099's. If self-employed, need 3 years full tax returns, including all schedules
  3. Most recent 30 day bank statements for any checking or savings accounts not with PFCU (all pages of each statement)
  4. Copy of deed to home (if available)
  5. Copy of homeowners insurance
  6. Mortgage statement from present mortgage

Access Mortgage Refinance Application

Contact me so I may exceed your expectations!

Photo of Tyra Moore, Mortgage Lending Officer
Tyra Moore, VP Lending / Risk Management 

Tyra Moore

VP Lending / Risk Management

NMLS # 87522

Peoples Federal Credit Union

419 1st Ave. S, Nitro, WV 25143
304-722-2274
Fax#: 304-722-2285

Mortgage Calculator

Use this mortgage calculator to determine your monthly payment and generate an estimated amortization schedule. Quickly see how much interest you could pay and your estimated principal balances. Enter prepayment amounts to calculate their impact on your mortgage.
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