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Home > BORROW > Mortgages & Home Equity Lines of Credit

Mortgages & Home Equity Lines of Credit

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Inviting modern periwinkle painted home with lights on

Buy or Refinance with Confidence! Peoples Federal Credit Union is Here to Help You Every Step of the Way!
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Todays Rates!

Home Loans
APR = Annual Percentage Rate 		APR as low as
Mortgage - 10 yr 5.750%
Mortgage - 15 yr 6.00%
Mortgage - 20, 25, 30 yr Contact for rate
Home Equity Line of Credit 7.50% variable

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Mortgages

Dreaming of a new home or looking to refinance? PeoplesFCU offers tailored programs to meet your needs.

  • Purchase or Refinance.
  • FHA/VA/USDA/First Time Buyer Programs available.
  • Manufactured Home financing is available. Call for details.
  • Automatic loan payments from your Peoples FCU checking or savings account.
  • 24/7 access to current balances, transaction history, and payment due dates.
  • Bi-weekly loan payment options. No prepayment fees or penalties.
APPLY NOW


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Home Equity Lines of Credit (HELOC)

Unlock your home equity today! Turn your dreams of renovation, vacation, or education into reality with the equity in your home!

  • Borrow up to 90% of your Home’s Equity.
  • Manufactured Homes (Doublewide or Larger) on permanent foundation eligible.
  • Use what you need when you need it, up to the amount of your credit line.
  • Monthly payments based on what you owe and drop as you pay the line down.
  • Peoples FCU pays closing costs.
  • Call for details.
Apply Now
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ITEMS NEEDED FOR MORTGAGE APPLICATION

  1. Most recent 30 days paystubs from your employer or award letters for SS and/or pensions
  2. Most recent two years W2 forms and full tax returns/or 1099's
    If self-employed, need 3 years of tax returns (most recent).
  3. Most recent 30-day bank statements for any checking or savings accounts not with PFCU (all pages of each statement)
  4. Quote for Homeowners Insurance
  5. Purchase agreement signed and dated by seller and purchaser
  6. Copy of ID
  7. Completed application and disclosures
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ITEMS NEEDED FOR HELOC APPLICATION

  1. Most recent 30 days' paystubs from your employer or award letters for $$ and/or pensions received
  2. Most recent two years W2 forms and/or 1099's.
    If self-employed, need tax returns
  3. Most recent 30-day bank statements for any checking or savings accounts not with PFCU (all pages of each statement)
  4. Copy of Deed to home (if available)
  5. Copy of Homeowners Insurance
  6. Mortgage Statement from the present mortgage
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ACCESS MORTGAGE APPLICATION

Adobe PDF
Mortgage Package and Application
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ACCESS HOME EQUITY LINE OF CREDIT APPLICATION

Adobe PDF
Home Equity Line of Credit Package and Application
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ITEMS NEEDED FOR MORTGAGE REFINANCE APPLICATION

  1. Most recent 30 days' paystubs from your employer or award letter for $$ and/or pensions received
  2. Most recent two years W2 forms and 2 full tax returns (most recent) / or 1099's. If self-employed, need 3 years of full tax returns, including all schedules
  3. Most recent 30-day bank statements for any checking or savings accounts not with PFCU (all pages of each statement)
  4. Copy of deed to home (if available)
  5. Copy of homeowners insurance
  6. Mortgage statement from the present mortgage
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Access Mortgage Refinance Application

Adobe PDF
Mortgage Refinance Package and Application
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Contact me so I may exceed your expectations!

Photo of Tyra Moore, Mortgage Lending Officer
Tyra Moore, VP Lending / Risk Management 

Tyra Moore

VP Lending / Risk Management

NMLS # 87522

Peoples Federal Credit Union

419 1st Ave. S, Nitro, WV 25143
304-722-2274
Fax#: 304-722-2285

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NMLS numbers, say what?!

People Helping People

People Helping People

Stacey Crouch, Assistant Vice President of Lending
Contact Stacey for all of your loan needs - 'people before profit'
NMLS #2250308
scrouch@peoplesfcu.com 
It stands for Nationwide Mortgage Licensing System and Registry (NMLS) - this number allows consumers, regulators, and others to obtain information on registered mortgage loan originators created and put into law to protect our number one priority - YOU, our member.

During your loan process, you will receive the NMLS number several times, but we always like a good list:
Peoples Federal Credit Union - 244532
Tyra Moore - 87522
Stacey Crouch - 2250308
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Mortgage Calculator

Use this mortgage calculator to determine your monthly payment and generate an estimated amortization schedule. Quickly see how much interest you could pay and your estimated principal balances. Enter prepayment amounts to calculate their impact on your mortgage.
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By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.



Financial Calculators from
Dinkytown.net

Financial Calculators ©1998-2025 KJE Computer Solutions, Inc.









*indicates required.
Monthly payment:
Report amortization:
Report amortization
**FIG_GRAPHTITLE** Stacked Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.
**FIG_GRAPHTITLE** Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Definitions

Mortgage amount

Original or expected balance for your mortgage.

Term in years

The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

Interest rate

Annual fixed interest rate for this mortgage. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate.

Monthly payment

Monthly principal and interest payment (PI).

Total payments

Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.

Total interest

Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.

Prepayment type

The frequency of prepayment. The options are none, monthly, yearly and one-time payment.

Prepayment amount

Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.

Start with payment

This is the payment number that your prepayments will begin with. For a one-time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation. If you choose to prepay with a one-time payment for payment number zero, the prepayment is assumed to happen before the first payment of the loan.

Savings

Total amount of interest you will save by prepaying your mortgage.

Report amortization

Choose how the report will display your payment schedule. Annually will summarize payments and balances by year. Monthly will show every payment for the entire term.

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