Unlock Your Home’s Potential
Refinancing your mortgage can be a powerful financial move – whether you’re looking to lower your monthly payments, shorten your loan term, or tap into your home’s equity. At FVSBank, we make the refinance process simple, transparent, and tailored to your needs.
Why Refinance?
Refinancing can provide several benefits depending on your financial goals:
✅ Lower Your Interest Rate – Secure a lower rate to reduce your monthly payment.
✅ Shorten Your Loan Term – Pay off your mortgage faster and save on interest.
✅ Access Home Equity – Use your home’s equity for home improvements, debt consolidation, or other major expenses.
✅ Switch Loan Types – Move from an adjustable-rate mortgage (ARM) to a fixed-rate loan for more stability.
Our Simple Refinance Process
Consult with an FVSBank Lender – We’ll review your current mortgage and financial goals.
Apply Online or In-Person – Submit your application with essential documents.
Get Approved & Lock in Your Rate – We’ll guide you through the approval process and help you secure the best rate.
Close & Save – Finalize your new mortgage and start enjoying the benefits!
HomeAccess Loan
Affordable Home Financing for Low to Very-Low Income Borrowers
At FVSBank, we believe homeownership should be accessible to everyone. That’s why we’re proud to offer the HomeAccess Loan, designed to provide an improved 30-year fixed-rate option for borrowers with low to very-low incomes*. Whether you’re a first-time homebuyer or looking for a more affordable path to homeownership, the HomeAccess Loan makes buying a home easier and more cost-effective.
Why Choose the HomeAccess Loan?
✅ Better Pricing on a 30-Year Fixed Loan – Enjoy improved interest rates and lower monthly payments.
✅ Affordable Down Payment Options – Reduce upfront costs and make homeownership more attainable.
✅ Flexible Credit Requirements – Helping more buyers qualify for a conventional loan.
Who Qualifies?
The HomeAccess Loan is designed for low to very-low income borrowers* who meet specific eligibility criteria and underwriting guidelines. Qualification factors include:
✔️Income limits based on the area and borrower household members*
✔️ Property eligibility requirements
✔️ Credit history and debt-to-income considerations
To determine your qualifications, our FVSBank mortgage experts are here to help guide you through the process.
Why Choose FVSBank?
🏡 Local Lending Experts – We understand the community and offer personalized solutions.
🤝 Flexible Loan Options – We’ll find a refinance plan that fits your needs.
📉 Competitive Rates & Low Fees – Keep more money in your pocket.
💙 Trusted, Community-Focused Bank – We care about our customers, not just their loans.
USA PATRIOT Act Information Disclosure
Important Information about Application Procedures
To help the government fight the funding of terrorism and money laundering activities. Federal lawy requires all financial institutions to obtain, verify, and record information that identifies every customer.
What this means to you: When you apply for a loan, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.