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

North Valley Bank is committed to making homeownership accessible through a variety of tailored mortgage solutions. We offer fixed and adjustable-rate mortgages, low down payment options, country living loans, construction loans, lot loans, and mortgage refinancing to suit diverse needs. Additionally, our Home Equity Line of Credit allows you to leverage your home's equity for projects, education, or vacations, with the convenience of accessing funds by writing a check. For personalized assistance, our dedicated loan officer, Megan, is here to guide you through the process. We also provide pre-qualifications to help you get started on your homeownership journey.

These products include:

• Fixed and Adjustable Rate Options
• Low Down Payment Loans
• 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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WHEN YOU’RE BUYING A HOME, A LITTLE EXTRA MONEY CAN COME IN HANDY.

North Valley Bank is proud to once again participate in the Welcome Home Program. Through this grant, homebuyers can receive up to $20,000 when simple qualifications are met. Funds are first come, first serve, so time is of the essence. Reach out TODAY to get started. To speak with Megan Jarvis about this program call (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 $20,000 for 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 a member financial institution – like North Valley Bank - 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, affixed to a permanent

foundation, and Energy Star ); 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.

Subject to credit approval. Fees and restrictions may apply. | Source: Welcome Home Program - Homebuyer Information - Federal Home Loan Bank

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

Let Your Home’s Equity Work for You! Are you ready to begin a remodeling project, fund an educational opportunity, or even take a dream vacation? North Valley Bank’s Home Equity Line of Credit can make it happen. We offer competitive terms that allow you to access your line of credit with the ease of writing a check.

Learn more today by calling your local mortgage lender or Apply Online by clicking the learn more link below.

Apply Here