Mortgages - Rock Valley Credit Union

The mortgage process can be intimidating, but at Rock Valley Credit Union we make it as easy as possible for you to take the next step on your homeownership journey. We partner with top mortgage providers in the industry to bring you a range of flexible options — while still providing a local, hands-on experience from the RVCU real estate team.

Mortgage

Need a mortgage right for you? We got you. Find out how you can turn your dreams into reality by getting pre-approved today!

Getting Started

We offer great rates on conventional, FHA, balloon, and VA loans, as well as down payment assistance programs. And if you already own a home and are interested in leveraging the equity you’ve built up, check out our range of home equity loans, HELOCS, and refinancing options.

Thinking of buying a home? Take the first step by getting pre-qualified! You’ll be able to make an offer as soon as you find your dream home and won’t risk losing out to a faster bidder.

Wondering how much house you can afford? Use our mortgage calculator to estimate your monthly payment and get ready to turn your dream home into a reality!

APPLICATION PROCESS

Let us help make this easy! In preparation for a mortgage or home equity application, you’ll need to gather:

Calculators

Wondering how much you can afford? Check out our loan calculators to help you decide what’s right for you!

Resources & Promotions

Credit Scores and History

What is a credit score and how does it work?

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Mortgage Loans

Rent or buy? Mortgage versus HELOC What kind of documentation will I need? The legal people say we need to collect information about your work history, W-2s, pay stubs, mortgage statement, and proof of homeowner’s insurance. What kind of mortgage do I need? We manage your conventional, home equity, or balloon loan. With this, you […]

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Contact

Unsure what mortgage is right for you?

Contact our Real Estate Lending department!

MORTGAGE LENDING CONTACT INFORMATION

Rhonda Graves
NMLS #1741016

PHONE

815-633-5426

EMAIL

rgraves@rockvalleycu.org

BECOME A MEMBER

Open An Account

At RVCU we understand that no two members are alike, and neither are the ways we can help make their dreams a reality. What are you waiting for? Become a member today!

STATE OF ILLINOIS / COMMUNITY REINVESTMENT NOTICE
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial service needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department

Routing #: 271988388 / NMLS #: 597779

Equal Housing Opportunity – We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act

NCUA – Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.