Real Estate Loans

Real Estate Loan Solutions

Invest in your future with our real estate home loan solutions. Whether you're purchasing, refinancing, or fixing up your home, Pioneer Valley Credit Union is here to help.

Get pre-qualified or discuss your options with one of our Mortgage professionals at 413-730-4152 or


Finance or refinance a Mortgage with our great rates, low fees, and fast loan approval.

  • Repay up to 30 Years
  • FHA Financing
  • VA Financing
  • Second Homes
  • Reverse Mortgage
  • Down Payment Assistance Options Available

You have dreams and we have solutions to help make purchasing your home easier!

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Home Equity

Fix, change, and rearrange... whether it's remodeling the kitchen, or installing a new deck to enjoy your newly landscaped yard we are here to help. Our Home Equity services are designed to give your home a fresh look while helping to increase the value of your property. For more information and to apply contact us at 413-730-4152 or

Fixed Home Equity Loans

Let your home work for you. Borrow up to 80% of your home value and have up to 20 years to repay with no closing costs*.

Home Equity Line of Credit

  • Special Introductory Rate of 1.90% for the First 12 Months, Then Variable Rate of Prime Rate MINUS .25% APR**!
  • No Closing Costs*
  • 80% Loan to Value
  • 10 Year Repayment Period
  • 10 Year Draw-Interest Only Payments

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Every time I walk into my new house, which was made possible by the Mortgage Team at PVCU, I am thankful for being taken care of like family by my Credit Union.

— Michelle G., Member Since 2008

**APR is Annual Percentage Rate. 1.90% APR Introductory Rate for the first 12 months then variable APR as low as 3.00% APR. After Special Introductory Promotion, the rate will never go below 3.00% APR.

The Annual Percentage Rate (APR) of 1.90% is a fixed rate for the first 12 months. After special introductory offer, the APR offer will not exceed a variable rate of 18.00% APR based on creditworthiness and other factors.

Rate becomes Prime Rate as published in the Wall Street Journal’s Money Rates Table minus .25%.

*We lend on primary residences in Massachusetts and Connecticut. If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf of up to $560. Property insurance is required and is not included in closing costs.

Initial draw from your Line of Credit must be a minimum of $5,000. After initial draw, a $1,000 minimum is required each draw thereafter. Minimum monthly payment is $50.

Other rates and terms available. Offer may be discontinued or changed at any time.