What do you want to do?
To speak with Customer Care, call: 1-855-582-5101
Know Your Options
We offer mortgage services in Centre County, Franklin County, Juniata County,
McKean County, Mifflin County, Perry County, or Potter County.
Mortgage Calculators
Check out our library of online mortgage calculators and other helpful tools.
Common Questions
What if I don’t have great credit?
Buying a home is a big commitment. Before you start house hunting, we suggest meeting with one of our mortgage lenders to discuss your individual circumstances and need to best understand what options are available to you.
Which is better—fixed or adjustable rate?
This depends on your personal situation. A fixed-rate mortgage loan means your interest rate stays the same over the life of the loan. With an adjustable-rate loan, your interest rate can change over the life of the loan. Learn more about these loan types in our education center.
How much do I need for a down payment?
A down payment is cash that you pay up front to get a mortgage loan. Down payments are typically a percentage of a home’s purchase price and can range from 3% – 20% for a primary residence. The required down payment is usually determined by the type of mortgage you choose, your financial situation, and the type of property you’re buying. It’s best to talk with one of our lenders to figure out what you need for your down payment.
What documents will I need for the application?
To apply for a mortgage, you might need:
- Personal identification
- Pay stubs
- Bank statements
- Tax documents
- Investment account statements
- A list of monthly debts
- Rental information and landlord references
- Gift letters
Talk with one of our mortgage lenders prior to shopping for your home so you can get prequalified.
Still have questions?
Your home will likely be the biggest investment you ever make. Our team of highly knowledgeable—and super friendly—mortgage experts are here to guide you through the process.
HomeReady® and Home Possible®
For those unable to commit to the standard 20% down payment, for a limited time only, JVB is offering the Welcome Home RateBreak 2-1 Buydown. With the Welcome Home RateBreak 2-1 Buydown, borrowers using the HomeReady or Home Possible mortgage loan options can take advantage of a 100% lender funded buydown to reduce their interest rate 2% in year 1 and 1% in year 2, and more down payment flexibility requiring as little as 3% down payment.
Lower Interest Rate
A buydown lowers the interest rate on a home loan for a period of time.
30-Year Conventional Fixed
The mortgage you get with HomeReady or Home Possible will be a 30-year fixed rate loan.
Maximum Loan Amount
Welcome Home RateBreak is only available for loan amounts of $350,000 or less.
Education Center
Our Blog
First-Time Home Buyer Tips
Purchasing your home is likely one of the largest purchases you make in your life – one in which you want as much information as possible.
Understanding Loan Types: A Deep Dive into Conventional Loans
Understanding the differences between fixed-rate and adjustable-rate conventional loans is crucial for making informed financial decisions.
The Mortgage Process: Dos and Don’ts
Whether you’re a first-time homebuyer or looking to refinance, understanding the dos and don’ts of the mortgage process can save you time, money, and a lot of stress.
