Turning Houses into Homes

Mortgages Made Easy

First NRV Credit Union is committed to supporting all of our members mortgage needs, and happily offer the same benefits to all of our membership fields. Whether you are purchasing your first home or refinancing your current mortgage for a better rate, First NRV Credit Union is eager to help find the perfect home loan solution for you.

  • Flexible terms & various mortgage rates to meet the needs of your budget and lifestyle.

  • Mortgage programs offered for first-time homebuyers, military veterans, and qualified buyers with various levels of income.

  • Simple application & a fast mortgage closing process. What’s not to like? Apply today!


Mortgage Loan Options

Purchasing a home can be difficult. let us help!

First NRV offers Conventional, FHA, USDA, VA, & Jumbo Mortgages to meet all of our members’ home buying needs.
Come speak to one of our Mortgage Lending Specialists today to learn more
about the ins and outs of these different mortgage types.

  • Get advice from our Home Mortgage Professionals

  • First Time Home Buyer Program

  • Up to 30-Year Mortgage Loan Terms

  • Fixed or Adjustable Rates


What are some of the different types of mortgages?

  • Conventional Mortgage Loan - This is the most commonly used type or mortgage and usually has the best rates.  You’ll typically need at least 10% for a down payment and good credit, but this can differ. These types of mortgages can be for run a 15 or 30 year term or “interest only” where you are not paying any principal in your first payments.

  • FHA Mortgage Loan - Thought of as the first time home buyer program but is actually available to anyone. The down payment is only 3.5% and is more forgiving of lower credit scores. The interest rates are not as attractive as that of a Conventional Mortgage, but qualifying for the loan isn’t as tough either.

  • VA Mortgage Loan - Zero down payment loan, but you must be a veteran of the armed forces.  For more information, click on this link

  • USDA Rural Housing Loan - This USDA Mortgage Loan can only be used in designated areas & towns, but their definition of rural may be more flexible than you think. Speak to a mortgage specialist to find out more!

  • Adjustable Rate Mortgage (ARM) - These have rates that start out lower than the current rates, but can change after one, two, or five years – usually the change is an increase.


Your Mortgage Pre-Flight

prequalify for your HOME mortgage!

The Home Mortgage Pre-flight is a great way to get all of your information to your mortgage lender prior to applying. Start here, and you’ll be surprised at how much easier & secure this can make your home mortgage application. If you have questions at any point during your pre-flight, please contact us at 540-639-0885 and one of our home mortgage lenders will be happy to assist you.


Purchasing Your Home

Helping Make Houses Become Homes

  • Products are available for all of our members, including those with credit challenges

  • Get a Home Mortgage with First NRV and benefit from the perks of our Premier Membership

  • Calculate Your Monthly Payments for Free by Clicking Here

  • Experienced Home Mortgage Advice & Consultations

  • Fast & Easy Paperwork/Signing Process

  • Low Mortgage Closing Costs & No Broker Fees



Refinance Your Mortgage

Need lower payments or a better rate?

Is your monthly mortgage payment too high? Are you searching for a better interest rate?
Need cash out to pay off high interest debts, or make improvements to your home?
Come to First NRV Credit Union and speak to one of our
mortgage specialists about refinancing today!

  • Home Equity Line of Credit (HELOC)

  • Renovate or Upgrade Your Home

  • Up to 30-Year Mortgage Loan Terms

  • Cash Out Refinance


Still Have Questions?
Let Us Help!

message your question to us by clicking the button below
or give us a call at 540-639-0885!

* This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval.

Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions.

Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant.

First NRV Federal Credit Union is an Equal Opportunity Lender and an Equal Housing Lender. NMLS 1448213


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Branch Office:
900 W. Main St.
Radford, VA 24141

Mail To:
PO Box 2963
Radford, VA 24143

Phone: 540-639-0885
Fax: 888-586-0349

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Branch Hours:
Monday - Friday
8:00AM - 5:00PM



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