Real Estate Loans

Invest in your future with a PVCU Home Loan!

Whether you're purchasing, refinancing, or fixing up your home, Pioneer Valley Credit Union is here to help.

Get pre-qualified or discuss your options with one of our mortgage professionals.

Mortgage Solutions

Finance or refinance a mortgage with our great rates, low fees, and fast loan approval.

  • Repay up to 30 Years
  • FHA Financing
  • VA Financing
  • Second Homes
  • Reverse Mortgage
  • Down Payment Assistance Options Available

We make life easier for you!

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Home Equity Solutions

Fix, change, and rearrange... whether it's remodeling the kitchen, or installing a new deck to enjoy your newly landscaped yard we are here to help. Our Home Equity services are designed to give your home a fresh look while helping to increase the value of your property.

Fixed Home Equity Loans

Let your home work for you. Borrow up to 80% of your home value and have up to 20 years to repay with no closing costs**.

Home Equity Line of Credit

  • No Closing Costs**
  • 80% Loan to Value
  • 10 Year Repayment Period
  • 10 Year Draw-Interest Only Payments
  • Prime Rate Minus .25% APR*

HELOC SALE
1.95% APR* Introductory Rate for 12 Months

  • No Closing Costs**
  • Borrow up to 80% Loan to Value
  • Terms up to 20 Years

Grab this great Home Equity Line of Credit rate before it is too late!

Apply Now! or contact us at 413-733-2800 for more details.

Your Dreams are a Home Equity Away...

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Every time I walk into my new house, which was made possible by the Mortgage Team at PVCU, I am thankful for being taken care of like family by my Credit Union.

— Michelle G., Member Since 2008

*APR is Annual Percentage Rate; HELOC introductory 1.95% APR is an introductory rate during the first 12 months of the loan. After that, the rate will vary based on the prime rate which is the highest prime rate published in the Wall Street Journal on the last business day of each quarter. As the prime rate changes, the APR on your account will also change. The introductory rate may be withdrawn without notice. Thereafter, the APR will be based on the prime rate minus .25% with a floor rate of 3.50% APR. If the special rate was not offered, the present APR would be 3.50%. The maximum APR that can apply is 18.00%. Credit is subject to approval. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. The minimum line of credit is $5000, and the minimum loan amount is $5000 for the first advance and $1000 thereafter. Flood and /or property hazard insurance may be required. **Home Equity Loans and HELOCs must be maintained for 36 months to avoid repayment of closing costs. Other restrictions may apply.