LOCAL. TRUSTED. EXPERIENCED.
Your home is one of your most valuable investments, and choosing the right mortgage lender is an important decision. At Huron Valley State Bank, our experienced mortgage professionals are here to guide you every step of the way. Whether you’re purchasing a new home, refinancing to lower your rate, accessing your home’s equity, or financing another important goal, we’re committed to making the process simple, smooth, and stress-free.
We’re available weekdays, evenings, and weekends to answer your questions and provide personalized guidance when it’s most convenient for you. With three convenient branch locations and a Financial Center, we’re always nearby when you need us. We’ve also invested in technology to make your mortgage experience easier than ever. Unless you request otherwise, our mortgage process is completely paperless—from your secure online application to a secure at-home or electronic closing. Best of all, you’ll still work with the same dedicated Loan Officer from application through closing, providing the personal service you deserve.
HVSB Mortgage Programs
MORTGAGE PROGRAMS
Here are a few of our most popular mortgage programs:
Conventional Fixed Rate
If you are buying a new home or refinancing, this program offers fixed-rate terms with an interest rate that remains the same for the life of the loan. We offer loan amounts up to 95% loan-to-value (LTV).
Home Equity Lines Of Credit
Put the equity in your home to work for you. Whether you’re planning home improvements, making a major purchase, paying college tuition, or preparing for unexpected expenses, a Home Equity Line of Credit gives you convenient access to funds when you need them. The interest rate is based on the Prime Rate and requires interest-only payments during the draw period, while allowing you to make additional principal payments at any time.
Jumbo Financing
If your home purchase exceeds conventional loan limits, a Jumbo Mortgage may be the right solution. These loans are available for primary residences and second homes. Qualified borrowers may finance up to $3 million.
Manufactured Homes
We offer financing programs designed specifically for manufactured homes. Ask one of our experienced Loan Officers which option is right for you.
The Mortgage Process
From pre-approval to closing, our mortgage process is quick, convenient, and designed with you in mind.
With just a few key pieces of information, our experienced Loan Officers can review your qualifications and recommend the mortgage program that best fits your needs. In most cases, pre-approvals are issued within 12 hours after we receive the required information, helping you shop for your new home with confidence.
Your application is completed safely and securely through our electronic mortgage platform, making it easy to submit documents and track your progress. Once we’ve received your documentation, our dedicated mortgage team goes to work on your behalf.
We carefully monitor your loan from start to finish, ensuring every requirement is completed accurately and efficiently.
When your loan is approved and clear to close, we’ll schedule your closing at one of our offices, in the comfort of your home, or electronically. We coordinate closely with all parties involved to make the final step as simple, convenient, and stress-free as possible.
We are local, we are community based, we are trustworthy, we are HVSB.