Residential Mortgages

North Valley Bank wants to help you make a house your HOME!

North Valley Bank offers a wide array of mortgage loans customized to meet specific needs.

These products include:

  • Fixed Rates
  • Adjustable Rates
  • Country Living Loans
  • Construction Loans
  • Lot Loans

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North Valley Bank also offers FREE pre-qualifications. Apply Today!

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Welcome Home Program

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That’s why North Valley Bank participates in the Welcome Home Program. Through this grant, you can receive up to $5,000 when simple qualifications are met. To speak with one of our lenders about the program, call us at (740) 450-2265

Learn more about the Welcome Home Program

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The Federal Home Loan Bank of Cincinnati (FHLB Cincinnati) offers grants of up to $15,000 for honorably discharged veterans, surviving spouses of military personnel, and active duty military homebuyers and up to $10,000 for all other homebuyers to assist with down payment and closing costs for income eligible homebuyers through the Welcome Home Program (WHP). Homebuyers must apply and qualify for a mortgage loan with one of our Member financial institutions to utilize the grant. Who are Eligible Homebuyers? A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met:

  • The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond (MRB) limit for the county and state where the property is located;
  • A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
  • The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,
  • If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing. Note: Applicants do not have to be first-time homebuyers.

What is an Eligible Property? A property would be eligible if all of the following guidelines are met:

  • The property will be the homebuyer’s primary residence;
  • The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and,
  • The property is subject to a legally enforceable five-year retention mechanism, included in the Deed or as a Declaration of Restrictive Covenants to the Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale, foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention period.

All eligible property assisted with WHP funds is subject to a five-year retention mechanism (Retention Agreement), which may require the household to repay all, or a portion, of the subsidy, if the home is sold or refinanced within five years from the closing of the transaction.

Subject to credit approval. Fees and restrictions may apply. | Source:

Home Equity Line of Credit

Home Equity loan north valley bank zanesville

Access the equity you have built in your home with the ease of writing a check.

North Valley Bank offers Home Equity Lines of Credit with competitive terms and no closing costs that allow you to access your line of credit however you see fit. Take a trip, payoff high interest credit cards or make home improvements.

Call or stop into any of our locations for more information and let’s get started today!
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Subject to credit approval. Rates may vary. A $100 annual fee will be charged. There is a $100 inactivity fee that could be imposed if there are no disbursements from the line on an annual basis. There is a potential $30 NSF handling fee if payment is returned for non-sufficient funds. There is a potential $35 over limit charge if the credit line balance exceeds the credit limit. The highest potential initial interest rate could be prime + 3. That would be 7.75% APR as of 1/22/2020. The rate is variable and can potentially reprice every calendar quarter. There is a $500 prepayment penalty if the line is closed within 3 years. Max APR is 25% or the maximum permitted under state law, whichever is lower.

Contact Our Mortgage Team Today

North Valley Bank Mortgage Lenders

Jenny Eberts  - Corning Office<br />Lender<br />NMLS ID: 1445939

Jenny Eberts

Corning Office
NMLS ID: 1445939

Kelly McCoy - Malta Office<br />AVP/Lender<br />NMLS ID: 527719

Kelly McCoy

Malta Office
NMLS ID: 527719

Bryan Bonkowski - Business Development Specialist<br />Lender<br />NMLS ID: 572670

Bryan Bonkowski

Business Development Specialist
NMLS ID: 572670

Shelly Axline - Zanesville Office<br />VP/Residential Lending Manager<br />NMLS ID: 527718

Shelly Axline

Zanesville Office
VP/Residential Lending Manager
NMLS ID: 527718

Josh Caudill - North Zanesville Office<br />Lender<br />NMLS ID: 562411

Josh Caudill

North Zanesville Office
NMLS ID: 562411

Ruth Murphy - Mount Sterling/New Holland Offices<br />Lender<br />NMLS ID: 431212

Ruth Murphy

Mount Sterling/New Holland Offices
NMLS ID: 431212

Kaitlyn Novaria - Zanesville Office<br />Lender<br />NMLS ID: 1969573

Kaitlyn Novaria

Zanesville Office
NMLS ID: 1969573

Jan Digilio - Buckeye Lake<br />Lender<br />NMLS ID: 2424163

Jan Digilio

Buckeye Lake
NMLS ID: 2424163