Lending
Home Loans
Home loans made local — from first-time buyers to seasoned homeowners, we're your West Virginia lending partner. Low rates, personal service, and decisions made right here.
Rates as Low as 4.99% APR* WV-Based Decisions Pre-Approval Available
Free Mortgage Consultation
Brandie Starcher-Veres
VP of Mortgage Lending · NMLS# 591569
304-340-7009 brandie.starcher@pioneerafcu.orgWhy Pioneer
Rates as Low as 4.99% APR*
Competitive rates on purchase & refi
Flexible Terms
Fixed & adjustable-rate options
WV-Based Decisions
Fast local processing in West Virginia
Local People
Community members serving you
Loan Options
Home Mortgage Loans
Purchase or refinance
Whether you're buying your first home or refinancing your current one, Pioneer offers competitive mortgage options with flexible terms built around your needs.
- Fixed-rate and adjustable-rate mortgages (ARMs)
- Low closing costs
- Pre-approval available for added confidence
- Refinancing options to lower your current rate
- Fast, local processing based in West Virginia
Home Equity Loans
Leverage what you've built
Put the equity in your home to work. A Home Equity Loan lets you borrow against your home's value for almost any purpose — at competitive rates.
- Debt consolidation
- Home improvements & renovations
- Tuition & education expenses
- Interest may be tax-deductible¹
- Loan amount based on your home's appraised value
How the Process Works
1
Contact Us
Reach out to Brandie or stop by any branch to schedule your free mortgage consultation.
2
Gather Documents
Collect your income, tax, and property documents using the checklist below to speed up the process.
3
Submit Application
Download and complete our mortgage application and submit it with your supporting documents.
4
Local Decision
Your application is reviewed right here in West Virginia by people who know this community.
What to Bring
Furnishing these documents with your initial loan application will speed up and make the entire process smoother and easier for you.
Proof of Income
Most recent 30-day pay stubs · Social Security and/or pension award letters · Documentation of other income sources
Federal Tax Returns
Copies of your signed 2024 and 2025 federal tax returns including all schedules, attachments, and W-2s
Bank Statements
Copies of your most recent 2-month statements on all checking and savings accounts
Self-Employed? Also Bring:
A current financial statement including a balance sheet, income statement, and year-to-date profit and loss statement
Purchase or Refinance
Copy of the sales contract (if purchasing) or a copy of your deed or tax ticket (if refinancing)
Homeowner's Insurance
Copy of your current homeowner's insurance policy
Home Loan Glossary
Confused by mortgage terminology? Here are the key terms you need to know.
Down Payment
The cash you pay upfront toward the purchase of your home. The amount can vary and may affect your interest rate.
Interest Rate / APR
Expressed as an Annual Percentage Rate, this is the cost of borrowing money — used for easy comparison shopping.
Loan Term
How long you have to repay the loan. Longer terms mean lower monthly payments but more interest paid overall.
Closing Costs
Fees for transferring ownership — including origination, appraisal, title, recording, and flood certification fees.
Escrow
A trust account in your name used to pay obligations like property taxes and insurance premiums.
Appraised Value
A professional opinion of your property's fair market value based on knowledge, experience, and analysis.
Fixed Rate Mortgage
A mortgage where monthly principal and interest payments stay the same for the life of the loan.
Equity
Your financial stake in your home — the difference between the property's value and what you still owe.
Loan-to-Value Ratio (LTV)
The loan amount as a percentage of the home's value. LTV affects what loan type you qualify for and associated costs.
Private Mortgage Insurance
Insurance protecting the lender if you default. Usually required when your loan is more than 80% of the home's value.
Refinance
Paying off an existing mortgage with a new loan — often to get a lower rate or change your loan term.
Underwriting
The detailed process of evaluating your loan application — reviewing credit history, income, and property value.
*Not all applicants will qualify for the lowest advertised rate. Offer subject to creditworthiness and terms. Not all will qualify for a mortgage loan. Approval subject to creditworthiness and collateral.
¹Consult a tax advisor regarding deductibility of interest.
Personal information transmitted to Pioneer Appalachia FCU may be used by credit union staff to respond to inquiries or improve services. Since email communication may not be secure against interception, users may want to seek alternatives when providing sensitive information.
Pioneer Appalachia FCU NMLS: #409681 · Brandie Starcher-Veres NMLS: #591569 · Elizabeth Wells NMLS: #591571 · Travis McGrath NMLS: #424613
Ready to take the next step?
Download the application or contact Brandie to schedule your free consultation.
Member Stories
“My financial advocate was knowledgeable, polite and friendly.
Banking at Pioneer has been a blessing.”