Mortgage Lending
& Construction Loan Lending near Hamilton, OH
Montgomery, Liberty Twp, Reading & Middletown
Explore Mortgage Loans in West Chester, Reading and Middletown OH
Whether you're embarking on your first home purchase or searching for your next dream home, Valley Central Bank is here to meet all your mortgage needs. We take pride in offering competitive variable and fixed rates, ensuring that you receive the best possible terms. When it comes to navigating the complexities of a new mortgage, no one does it better than Valley Central Bank. Whether you reside in West Chester, Loveland, Liberty Township, or Middletown, Ohio, our knowledgeable mortgage lenders are dedicated to providing top-notch service tailored to your unique needs.
Down Payment Assistance Program
- Grants of up to $20,000 are available to all areas
- Income limits apply – Hamilton/Butler/Warren and Clermont Counties…
- 1-2 Person Household = $89,440 – 3+ Person Household = $102,856
- Grant can be used in conjunction with FHA, VA, RD or Conventional loans
- Seller can pay closing costs and pre-paid items
Registration for Welcome Home Funds begin on April 6 , 2026. Reservations are reserved on a “first-come, first-served” basis and are only eligible through lending institutions that are members of the Federal Home Loan Bank. Income limits do apply, and first-time homebuyers will need to complete homebuyer education. Buyers must contribute $500 of their own funds. Writing 60-day contracts are strongly suggested as reservations may take up to 6 weeks to process.
Contact us today for more information and a complete detail of this program today, so that your buyers don’t miss out on this great program! – Open to all current homeowners and first-time homeowners.
513-821-3335
NMLS #478147
HELOC - Home Equity Line of Credit
Leverage the equity in your home for large home improvement projects or debt consolidation. Our mortgage lenders will assess your loan-to-value ratio (LTV) to determine whether a line of credit or a fixed-term loan is the right fit for you.
Purchasing A Home
Purchasing a new home can be overwhelming, especially if you're unfamiliar with the mortgage process. At Valley Central Bank, our elite mortgage lenders and banking specialists will guide you through every step, ensuring you secure the best rate and feel confident and informed throughout the process. We proudly offer a variety of mortgage options, including Conventional, FHA, VA, Rural Development, Construction Loans, and Second Mortgages (HELOC).
Refinancing
Let us assist you in weighing the pros and cons of refinancing your mortgage loan. Refinancing can help you pay off your home sooner, reduce your monthly payment, or access equity in your home.
Construction Loans
Valley Central Bank leads the industry in Construction Lending. Our VCB One-Time Close Construction Loan Program ensures a seamless financing process, allowing you to enjoy building your home without worrying about financing delays.
Contact us today to get started on your mortgage journey with Valley Central Bank.
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Go Paperless!
Valley Central Bank now offers eBills for all loans. Sign up today through online banking.
