At First NRV Federal Credit Union, we are committed to helping you find the best mortgage loan option that fits your needs. Our comprehensive range of services and loan programs are designed to provide you with flexibility, convenience, and personalized assistance throughout the process.

Mortgages Made Easy

First NRV Credit Union takes the stress out of your mortgage journey, from application to closing. We offer a variety of flexible terms and competitive rates to find the perfect fit for your budget and lifestyle. Whether you're a first-time homebuyer, a veteran, or looking to refinance, we have programs to suit your needs. Our simple application process and commitment to a fast closing ensure a smooth and efficient experience so you can focus on the excitement of turning your dream home into a reality.

Mortgage & Real Estate Loan Options

Don't be stressed about finding the perfect mortgage! First NRV offers a variety of options, from conventional loans to USDA programs for qualifying veterans. We even finance unimproved land and construction.  Our experts will explain your choices, including fixed and adjustable rates, and help you navigate down payment options and 30-year loan terms. We can even discuss HELOCs for future needs. Let's find your perfect mortgage fit together.

Find Your Perfect Fit

Navigating mortgage options can feel overwhelming, but fret no more! First NRV Credit Union is here to help you find the perfect fit for your home-buying journey.

  • Conventional Loans: The most popular choice, offering competitive rates for those with good credit and a down payment of at least 10% (though options may vary). Terms typically run 15 or 30 years, with fixed or even "interest-only" options available in some cases.

  • FHA Loans: Often seen as a first-time homebuyer program, FHA loans are actually open to all. They require a lower down payment (as low as 3.5%) and are more forgiving of less-than-perfect credit scores. While interest rates might be slightly higher than conventional loans, qualifying is easier.

  • VA Loans: Active-duty military personnel and veterans can enjoy the incredible benefit of zero down payment with a VA loan. To learn more about eligibility and requirements, speak with a mortgage specialist.

  • USDA Loans: Designed to promote homeownership in rural areas, USDA loans offer opportunities in communities that might surprise you. Explore eligibility with a specialist to see if your dream home qualifies.

  • Adjustable Rate Mortgages (ARMs): ARMs start with lower introductory rates that can be attractive initially. However, these rates can adjust up after a set period (often 1, 3, or 5 years), potentially leading to higher monthly payments.

 
Apply for a Mortgage at First NRV Credit Union!

Still Have Questions?

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MESSAGE YOUR QUESTION TO US BY CLICKING THE BUTTON BELOW OR GIVE US A CALL AT (540) 639-0885.

Radford Branch

BUSINESS HOURS:

Monday through Friday from 8:00AM - 5:00PM

Address:
900 West Main Street 
Radford, VA 24141

Phone: 1 (540) 639-0885
Fax: 1 (888) 586-0349
Email: info@firstnrvcreditunion.com

ATTENTION: Are you in need of help on the weekend or after our regular business hours? Click here to find our 24/7 customer service hotlines.