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.

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:
- Past 30 days of pay stub history
- Work history information like W-2s, pay stubs, etc.
- Mortgage statements
- Two months of bank statements
- Proof of homeowner’s insurance (for home equity loans)

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


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 […]

Contact
Unsure what mortgage is right for you?
Contact our Real Estate Lending department!
MORTGAGE LENDING CONTACT INFORMATION
Rhonda Graves
NMLS #1741016