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JVB's friendly, knowledgeable, and efficient service takes the stress out of financing a new home purchase or refinancing an existing mortgage.
For 150 years we've prided ourselves on treating every customer—from the young couple buying a starter home to the experienced farmer with hundreds of acres—with respect. We provide all kinds of mortgage solutions, even specialized solutions for the borrower with unique needs.
Connect with a Mortgage Specialist
If you’re new to the home buying process, these helpful resources can get you started confidently:
Document Checklist
Budget Worksheet
Use this home affordability calculator to help determine your budget.
Home Affordability Calculator
Our approvals take less time. To begin the process of qualifying, a few minutes is all you need!
Get Started
Jump to: Fixed Rate Adjustable Rate Construction & Reno FHA VA MortgageRefinance Loan Info & Error Resolution
Select a loan term anywhere of 15, 20, or 30 years and your monthly principal payment and interest rate will be locked in for the life of the loan.
With competitive rates and flexible down payments, a fixed-rate mortgage from JVB may be the simplest part of your home buying process.
We offer quick and easy pre-approvals so you can begin your home search with confidence and make a more attractive offer to sellers.
We work with first-time home buyers to figure out a loan term and down payment that works for you with financing up to 97%. We also have loan programs for couples who make less than the area median income (AMI).
Throughout the home buying process and beyond, the JVB team is available to provide expert guidance every step of the way.
The following rates are available 12/10/2025. Rates are subject to change daily. Additional rates and terms may apply.
Rate: 6.49% APR: 6.53%
Rate: 6.29% APR: 6.34%
Rate: 5.89% APR: 5.93%
Get Started with a Fixed Rate Mortgage See Additional Rate Info
An Adjustable Rate Mortgage (ARM) comes with an interest rate that is subject to change after 7 years and adjusts annually thereafter.
With an introductory rate that is often lower than that of a fixed-rate mortgage, this product is perfect for homeowners who expect to change homes before the mortgage period ends.
You will also enjoy peace of mind knowing that your loan includes limits on the amount your rate can change annually and over the life of the mortgage.
Adjustable-rate mortgages almost always offer a lower annual percentage rate than fixed-rate home loans, at least initially. That also means a lower monthly mortgage payment.
Once your fixed-rate period ends, your interest rate will be tied to a market index. If the current rates have dropped, so will your payment.
If you’re considering the FHA program for your home buying, you can choose an adjustable-rate FHA loan.
The lenders at JVB can help you weigh the pros and cons of each loan type against your current financial situation and needs. Keep in mind that you can obtain an adjustable-rate on different types of mortgages, such as a jumbo loan.
When it comes to ARM loans, your top considerations should be:
Get Started With an ARM
When you are ready to build a new home or purchase to renovate, let JVB take the work out of financing your project. Our goal is to make the “business end” of the construction process easy, so you can focus on the project at hand. One-stop permanent financing is available with attractive fixed and variable rate options.
Pay only interest during the home building process and then your short-term financing will be turned into a permanent mortgage without the expense and hassle of another loan application and closing.
We work with you to ensure timely construction inspections and payment approvals. Keep your project on track to avoid going over your budget or timeline.
With our one-stop permanent financing, you can avoid the hassle and cost of two closings.
We’ve been doing this a long time, and we strive to deliver swift, flexible, local decisions on your loan application.
The lenders at JVB can help you weigh the pros and cons of each loan option against your current financial situation and needs. For example, if you already have equity in your home and want to renovate, you may be interested in a Home Equity Loan instead.
When it comes to construction loans, you should consider whether your new construction home will fit in with the local real estate market. If you’re building a new home, you’ll have an easier time selling it down the road if it conforms to the price range and expectations of your local real estate market.
Get Started With a Construction Loan Explore Home Equity Loans
Because Federal Housing Association (FHA) loans are backed by the government, buyers with lower credit scores who would not qualify for conventional mortgages may be able to get an FHA loan.
These home loans may be particularly attractive to first-time buyers or anyone wishing to make a lower down payment. In return, FHA borrowers pay an upfront mortgage insurance premium as well as annual mortgage insurance payments.
The FHA home loan program was created with the goal of increasing home ownership nationwide and is typically easier to get an approval than with a conventional mortgage.
The Property Must Be Your Primary Residence
3.5% Down Payment Required
Mortgage Insurance Premium (MIP) Required
Must Have Verifiable Income
Minimum FICO® Score of 580
Applying for an FHA mortgage is very similar to the conventional application process. JVB’s experienced, local mortgage officers will guide you through the FHA application.
Get Started With an FHA Loan
VA Home Loans are guaranteed by the U.S. Department of Veterans Affairs, enabling private lenders to offer better mortgage terms to Service members, Veterans, and eligible surviving spouses.
With a VA Purchase Loan, you can buy a house without making a down payment or paying for private mortgage insurance. JVB offers competitive 30-year fixed rates as well as flexible credit guidelines.
At JVB, we allow a lower minimum FICO® score for our VA loan customers.
No down payment is required for VA home loans or private mortgage insurance.
Take advantage of a lower interest rate in the future or take some equity out of your home by refinancing with a VA Streamline or a VA Cash-Out Refinance.
If you are thinking about a VA loan, start by applying for a certificate of eligibility from the U.S. Department of Veterans Affairs. If you have questions or concerns about the VA loan process, the associates at JVB are here to help. We proudly support our military customers in North and Central Pennsylvania.
Get Started With a VA Loan
If you want to refinance your existing mortgage to enjoy lower monthly payments and put additional cash in your wallet (or your retirement account), apply online or visit your local JVB branch.
Our community offices are conveniently located across Central and North Central Pennsylvania. At every branch, one of our lenders will be available to discuss the perks and benefits of refinancing your mortgage.
When you need information about your mortgage loan or believe there is an error on your mortgage billing, please contact us. This can be done by phone call to our Customer Care Center toll-free at 1-855-582-5101, by email, or in written format.
Written communications must include your name, your mortgage loan account number, the address associated with your mortgage, and a description of the information and/or the error which needs to be resolved.
Written communications must be sent to: Mortgage Department, The Juniata Valley Bank, PO Box 66, Mifflintown, PA 17059.
Home Equity Home Affordability Calculator Personal Loans
Choosing the right home loan depends on your financial goals, timeline, and comfort with monthly payments.
At Juniata Valley Bank, we take a personalized approach. Our team will walk through your options, whether you're buying a home, refinancing, or using your home’s equity, and help you choose a solution that fits your situation with confidence.
Yes. When you work with JVB, you’re working with a local team that understands the community and reviews your loan right here.
That means clear communication, faster decision-making, and support from people you can reach directly throughout the process.
The process is designed to be straightforward and guided:
We’ll keep you informed at each step and are always available to answer questions along the way.
You’ll typically need:
Your lender will let you know exactly what’s needed based on your situation.
Approval timelines can vary depending on the loan type and your financial situation. Many applications move through the process in as little as 24 hours.
Working with a local lender can help keep the process efficient and responsive.
