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Routing # 211885946

First Time Home Buyer Experience

You’ve got questions, we’ve got answers!

GET Prequalified BEFORE You Begin House Hunting

Find out how our Prequalification Process works.

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Things You Need to Know BEFORE You Buy Your Home

We value empowering our members to make the right choice for their financial goals.

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Get prequalified BEFORE you begin house hunting! Watch our Talk to Tony video outlining our Prequalification Process.

A prequalification letter is a document from Pioneer Valley Federal Credit Union stating that PVCU is tentatively willing to lend to you, up to a certain loan amount. This document is based on certain assumptions and it is not a guaranteed loan offer. It lets the seller of the home know that you are likely to be able to get financing. Sellers frequently require a prequalification letter before accepting your offer on a house.

For a prequalification letter we request you complete an application for authorization to obtain credit. The prequalification letter is based on the information provided and what we are willing to lend to you. Pioneer Valley Credit Union will check your credit before issuing a prequalification letter. Prequalification letters are good for 60 days. Obtaining a prequalification letter early in the process can be a good way to spot potential issues in time to correct them.



Our dedicated team of Lending professionals have the knowledge and experience to guide you through the process. We treat our members like family and want to see them reach their financial goals!


We value the power of educating our members to make the right choice for them. Our team is cross trained on a variety of subjects to empower the member with the tools they need to succeed.


Since 1923, Pioneer Valley Credit Union continues to create new and innovative products, services and concepts specifically designed to assist your financial needs in a fast-paced society.


Long-term financial stability is all about being in a position to take care of your financial future. By setting financial goals today, you can work toward a prosperous life for years to come. You can live your life with the peace of mind that your bases are covered with regard to your finances.

There are direct benefits of owning a home. If you’re currently living with family, friends, or renting a property and you’re considering the purchase of a home, understanding the benefits of home ownership are can help make the decision to buy a home easy. Owning a home is much more than a place to live!

CFPB Home Loan Toolkit  Contact Us Today!

As a member of Pioneer Valley Credit Union, you could receive savings on your Home Insurance needs with our TruStage Insurance program.

TruStage Insurance offers affordable insurance coverage for your home with discounts for Pioneer Valley Credit Union members. Members can save a significant amount by switching to TruStage Insurance*.

Get a free, no obligation rate quote when you call your Liberty Mutual Insurance Representative partnered with TruStage at 800-208-3041 ext. 54981 or fax your policy to 413-567-1953 for a rate quote.

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*TruStage insurance benefits and services are not obligations to Pioneer Valley Credit Union or to the members of the credit union. The insurance benefits and services offered are not guaranteed by the credit union or any affiliated entity and are not federally insured.

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