Mortgage Loans
Think River Valley First for Your Home Loan.
Local expertise. Honest guidance.
A mortgage process that actually makes sense.
Buying a home is one of the biggest decisions you'll ever make, and it's one you shouldn't have to navigate alone. At River Valley Credit Union, our local mortgage team is with you from your very first question all the way through closing day and beyond.
Whether you're buying your first home, upsizing, downsizing, or thinking about refinancing, we'll help you find a loan that fits your life, not the other way around.
River Valley Credit Union NMLS #774813. All loans subject to credit approval and underwriting guidelines. Membership eligibility required. Equal Housing Opportunity.
A Mortgage From Someone Who Knows This Market.
Big banks process mortgages from hundreds of miles away. We're down the street. Our mortgage specialists live and work in the same communities you do -which means they understand West Michigan home values, local market conditions, and what it actually takes to get you to closing.
That local knowledge makes a real difference.
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Personalized Guidance: You'll work with a real person, not a call center queue.
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Loan Options for Every Situation: First purchase, refinance, FHA, VA, USDA, conventional, and more.
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Fast Turnaround: Many River Valley mortgages close in less than 30 days.
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First-Time Buyer Support: Special programs available, including MSHDA options.
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Easy Online Application Start anytime, on any device.
Find the Mortgage That Fits Your Goals.
Every homeowner's situation is different. Here's a look at the mortgage options we offer and what each one is designed to do.
Fixed-Rate Mortgage Label
Stability You Can Count On
When you want a predictable monthly payment for the life of your loan, a fixed-rate mortgage delivers exactly that. Choose from 10-, 20-, or 30-year terms and lock in your rate from day one.
Best for: Buyers who value payment consistency and plan to stay in their home long-term.
First-Time Homebuyer Programs Label
Your First Home Starts Here
Don't let the down payment be the thing that slows you down. We offer first-time buyer programs designed to help more people cross the threshold into homeownership.
Best for: Buyers purchasing their first home who may need down payment or closing cost assistance.
FHA, VA & USDA Loans Label
More Ways to Qualify
Government-backed loan programs can open the door to homeownership for buyers who might not qualify for a conventional mortgage. FHA loans offer flexible credit requirements. VA loans serve those who've served our country. USDA loans support buyers in eligible rural and suburban areas.
Best for: Buyers who meet specific eligibility criteria and want expanded qualification options.
Conventional & Jumbo Loans Label
For When You're Ready to Move Up
Conventional loans offer flexibility for buyers with strong credit profiles. Jumbo loans are available for properties that exceed standard conforming loan limits.
Best for: Buyers with established credit histories or purchasing higher-value properties.
Mortgage Refinancing Label
Make Your Current Mortgage Work Harder
Refinancing may help you lower your monthly payment, shorten your loan term, switch from an adjustable to a fixed rate, or tap into your home's equity. If your financial situation has changed since you first bought, it may be worth a conversation.
Best for: Current homeowners looking to reduce costs, access equity, or adjust their loan terms.
Home Equity Loans & 915 Label
Put Your Home's Value to Work
If you've built equity in your home, you may be able to use it. A home equity loan can be a smart, lower-rate alternative to personal loans or credit cards for major expenses like home improvements, education, or debt consolidation.
Best for: Homeowners with existing equity who need access to funds.
How It Works:
From Application to Keys in Hand.
We've simplified the mortgage process so you always know where you stand and what comes next.
STEP 1
Ask Your Questions First
Not sure where to begin? That's completely normal. Reach out to our mortgage team before you do anything else. There's no obligation, just a real conversation about what you're looking for and what's possible.
STEP 2
Apply Online
When you're ready, our online application is straightforward and can be completed on your schedule. Start and stop as needed.
STEP 3
Get Pre-Approved
Pre-approval tells you exactly how much home you may qualify for, and it shows sellers you're a serious buyer. In a competitive market, this step can make all the difference.
STEP 4
Explore Your Options
Your mortgage specialist will walk you through loan programs, rates, and terms that fit your financial situation, so you can make an informed decision with confidence.
STEP 5
Close and Celebrate
Our team stays engaged through every step of underwriting and closing. Many River Valley mortgages close in less than 30 days, so you can move forward faster.
Meet Your Local Mortgage Team.
You deserve to work with someone who picks up the phone, knows your name, and actually understands West Michigan real estate. That's exactly what you'll get.
Mortgage Loan Officer NMLS# 168895
With more than 20 years of experience helping members navigate home financing, JoAnn brings deep expertise and a genuine commitment to making the process clear and comfortable, whether you're a first-time buyer or a seasoned homeowner.
616-481-2654 | joann.pugh@membermortgage.com
Jordan Boon
Mortgage Loan Officer NMLS# 1853096
Jordan brings energy and a detail-oriented approach to every mortgage transaction, helping members find the right fit for their financial picture and homeownership goals.
616-402-9781 | jordan.boon@membermortgage.com
MMS Mortgage Services, Ltd. NMLS# 131062. River Valley Credit Union NMLS# 774813. 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.
Your Next Home. Your Local Lender. Think River Valley First.
When it's time to buy, refinance, or simply explore your options, start with the team that knows this community, because we're part of it too.
Home Mortgage Disclosure Act (HMDA) Notice: River Valley Credit Union's HMDA data about our residential mortgage lending activity is available for review. Our HMDA Disclosure Statement may be obtained by contacting River Valley Credit Union or viewed online through the Consumer Financial Protection Bureau's HMDA database. HMDA data provide information about mortgage lending patterns and help determine whether financial institutions are serving the housing needs of their communities. To request a copy, contact us at 616-787-7481. Please note: Email and standard contact forms are not secure. For your safety, do not include confidential personal or financial information such as your Social Security number, account numbers, or passwords in any message sent through this website.