Fixed-Rate Mortgage

"Finding the perfect house? That took forever. Finding the right home loan? That choice was easier, we turned to Clearview."  
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We’re here to help you find your home sweet home.

The Pittsburgh area is famous for all its great neighborhoods. You can live in the high-energy heart of the city, family-friendly suburbs, or keep-life-simple small towns. But once you pick out a home in one of those places in Pennsylvania, you'll need to decide how to pay for it. At Clearview, we offer affordable fixed-rate mortgage options and plenty of friendly lending experts who can help you choose one that fits your financial needs. Get pre-approved for a home loan before you start house-hunting so you can focus on places in your financial range.
  • Competitive interest rates and low closing costs
  • Choice of loan lengths: 10, 15, 20, or 30 year mortgage options
  • Monthly payments won't change over the life of the loan
  • Good choice if you're planning to live in your home a long time or don't like financial surprises
  • Available for home purchases or to refinance existing loans 
  • Potential tax deductions* for mortgage interest payments
Need to make a payment or have a question about your mortgage? Contact Midwest Loan Services at 1-800-262-6574 or visit their website.
What's included?
  • Plenty of loan options
  • Competitive interest rates
  • Friendly guidance every step of the way
4.106% APR*
15 year fixed-rate mortgage
*Rates as low as
View ratesView mortgage rates

Things to keep in mind when considering a fixed-rate mortgage.

How does a fixed mortgage rate work?

A mortgage is a loan specifically for the use of purchasing or refinancing property, such as a house, condo, or other type of real estate. When you take out a mortgage, you agree to pay the lender (like a credit union, bank, etc.) back the amount you borrowed, plus interest. Interest is the “fee” a financial institution charges for lending and can be determined by your credit score, loan terms, down payment, etc. With a fixed mortgage rate, the interest stays the same for the life of the loan, so you can expect to pay the same amount each month.

How much can I get approved for?

While your credit score is a key factor in how much you can afford to borrow, your debt-to-income (DTI) ratio and loan-to-value (LTV) ratio also play a role. Lenders determine if you’re able repay the debt you’re taking on by looking at your DTI ratio. DTI ratio is calculated by dividing all of your monthly debt payments by your gross monthly income. Typically, the lower your debt-to-income ratio, the more likely you’ll qualify for a fixed-rate mortgage.
The LTV ratio compares the appraised property value to the mortgage loan amount. Your down payment can help lower this amount.  

How much home can I afford?

Once you’ve been approved for a loan, whether that be a 10, 15, 20 or 30 year mortgage, you’ll need to consider if you can actually afford a home within that price range. Keep in mind regular expenses like taxes, homeowners insurance, utilities, plus regular maintenance, upgrades, furniture, etc. Try our mortgage payment calculator to get an idea of what your monthly payment may look like.

What are the advantages of credit union mortgages?

Credit unions don’t have shareholders and are non-profit. This isn’t the case with all financial institutions. As such, we can generally offer loans at lower interest rates with more attractive payment terms. We also take pride in the relationships we have with our members. Our vision is to help people to enjoy a better life, and it’s our goal to do in every interaction with our members.
 
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Still have questions about Mortgage Loans?
To obtain a payoff quote, please email payoffs@midwestloanservices.com. Be sure to include loan number, name, address, and a good through date for the payoff.
There is no penalty for early payoff.
You can make a one-time lump-sum payment toward the principal balance of your loan in order to re-amortize your mortgage with the new (lower) balance. Contact Midwest Loan Services at 1-800-262-6574 (please have your loan number ready, Midwest will advise of the minimum principal reduction amount). There is a $250.00 fee.
Yes, please contact Midwest Loan Services at 1-800-262-6574.
Manufactured homes on leased land, manufactured homes not on a permanent foundation, single wide manufactured homes, land loans, excessive acreage, working farms.
No, Clearview does not finance consumer construction loans.
 
You can conveniently access your mortgage information online. Get started by clicking on the “Register” tab on the Midwest Mortgage website. You'll need your loan number and Social Security Number to access any information. Once you're registered, you can transfer funds from digital banking to your make your mortgage payment.
Yes, Real Estate Lending will assist with 1-2 family properties and Business Lending will assist with greater than 1-2 family properties.
 

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I was looking for a personal loan to pay off a variable interest loan. I was approved for a low interest signature loan. It's exactly what I was looking for and the terms were great. The loan process was easy and my overall experience was great. Karen, Member since 2001
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I retired in 2019.... with debt and a high mortgage payment. My wife and I sat with a loan officer and they helped with our debts. We were amazed with Clearview’s magic! Robert, Member since 2009
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