MVB Home Loans

MVB Home Loans serves MD, PA, DC, VA, and WV. NMLS #742865 We realize that home financing is one of the largest financial decisions in our clients' lives.

MVB Home Loans has built a strong reputation as an outstanding mortgage firm offering "Absolutely Exceptional Experiences" to homebuyers throughout the mid-atlantic region. We're a full service mortgage lender with dedicated mortgage consultants and an experienced in house support team offering expertise in every area of mortgage financing—from purchase to refinance to construction lending. We hav

e access to a full range of mortgage sources and all of our mortgage consultants are dedicated to finding the right loan—with the best rates, terms and costs—to meet our clients' unique needs. Whether you are a first time homebuyer, refinancing your existing home, or moving to your dream home, our mortgage consultants and support team are committed to making your home financing decision fast and easy! NMLS ID #742865
NMLS Consumer Access - https://www.nmlsconsumeraccess.org/

05/28/2026

Both severe heat and severe cold can cause damage to a home. Ensure you have a plan in place before you need to react to one or the other.
• Inspect your HVAC system and fireplace each fall, confirming the thermostat is working properly and that there are no loose connections in the gas lines leading to your fireplace.
• Replace the filters in your HVAC system every three months.
• If you have a generator, fill gas containers to ensure you have enough fuel to keep the generator running.
• Protect your home against extreme heat by insulating the attic, installing an attic door cover, and caulking windows and doors.

Read more here: https://ow.ly/cIbW50YTB7H

05/27/2026

Middletown Valley Bank is proud to announce a new branch in Oakland, MD. The branch will be located at 19509 Garrett Highway, Suite 5, in the same property where MVB has operated a business development office since 2019. The office will transition to a branch in Fall 2026, and will offer teller services, including an ATM and night drop, as well as deposit account opening, consumer lending, and cash management services. This branch will also house the mortgage and commercial lending services that have been present in the community since 2019.

“We are thrilled to expand Middletown Valley Bank’s offerings in Oakland and better serve the needs of Garrett County. This new branch reflects our continued commitment to building strong community relationships, supporting local businesses, and investing in the future of our markets,” says Robert “BJ” Goetz, Jr, President and Chief Executive Officer.

MVB exemplifies the enduring strength and importance of community banking. Jerry Merrick, EVP – Mortgage Market Leader, adds, “As someone who has raised a family right here in Garrett County, this new branch means a great deal to me. I’ve seen firsthand how important it is for people to have the right support when they are buying a home and building their future together. I’m proud that we have brought a relationship-focused approach to lending in this community, and I’m excited to continue helping families achieve their homeownership goals.”

Jordan Rohrbaugh, Commercial Relationship Associate, says, “We are proud to continue building on the strong foundation we have established in Garrett County with the opening of our new Oakland Branch. We look forward to supporting both new and established relationships and continuing to invest in the long-term success and economic vitality of the area.”

05/25/2026

Our offices will be closed today, May 25th, in observance of Memorial Day. We will reopen tomorrow during regular business hours.

Wishing you a thoughtful and meaningful holiday.

05/22/2026

In observance of Memorial Day, all locations will be closed on Monday, May 25th. Wishing you a safe and meaningful holiday.

05/21/2026

Flooding can be very dangerous and can cause significant damage to a home. Floods are not always preventable, but there are ways to minimize the damage they can cause.
• Shut off electricity at the main panel if the floor beneath it is dry.
• Place foam insulation or plastic sheeting around the outside walls of the first floor. This will not completely prevent flooding, but it will guard against silt.
• If you have a well, seal it to keep out silt and other debris.
• Fill sinks, tubs, and buckets with water beforehand to use for hygiene purposes if the home’s water becomes inaccessible.
• If the home has a basement, seal all the cracks in the walls with a waterproofing compound.

Although wildfires are generally less common in the Mid-Atlantic than the West Coast, they still pose a threat in many areas. To add to that, lightning can strike just about anywhere. The following can help minimize the damage they can cause to your home.
• Water the roof and vegetation surrounding the property.
• Remove outdoor furniture and other items that can catch fire.
• Shut the home’s doors, windows, and vents and move drapery and furniture away from windows and doors.
• If the home has a fireplace, open the damper but keep the screen shut.
• Check all smoke alarms to ensure they are working properly.

Read more here: https://ow.ly/BjM450YTB5q

05/14/2026

Aside from earthquakes, which are much rarer on the East Coast than the West Coast, the primary factors associated with extreme weather and natural disasters are wind, rain, flooding, fire, and extreme heat and cold. Protecting your home against these variables will best prepare you for cases of natural disaster.

Thunderstorms, hurricanes, tornadoes, and the like bring heavy winds. This opens up the potential for trees and other objects to cause damage to homes. The following should be done to minimize the harm wind can cause to the home.
• Remove tree limbs that are damaged or diseased.
• Bring outdoor furniture and lawn equipment inside or secure it against a wall.
• In extreme cases, cover windows with marine-grade plywood or storm shutters.
• Reinforce the garage door.

Read more here: https://ow.ly/sU9P50YTB3X

05/10/2026

🌷 Happy Mother’s Day 🌷
Today we celebrate the moms and mother figures who create loving homes, guide with wisdom, and support families every step of the way. Your care and strength shape the places we call home!

05/07/2026

One of the best ways to prepare for natural disasters is to be informed of the most common types of weather threats in your area and the times when they are most likely to occur. For example, the East Coast occasionally experiences hurricanes in the summer and fall months. With that information in mind, it makes sense to put precautions in place to minimize the impact a hurricane could have on your home during those periods.

Another way to prepare is to check your insurance policy and confirm that it covers damage the home may incur from natural disasters. One example is flood insurance. If there is even a remote possibility your home could be vulnerable to flood damage, you should ensure it is covered by insurance.

You should also know the location of your water, gas, and electrical lines in case any of them need to be shut off. If left unchecked, they could potentially cause additional damage, as water lines can flood the home and pose a fire risk when combined with gas and electrical lines.

Read more here: https://ow.ly/5kkG50YTB1W

04/30/2026

Once you become a homeowner, it is a great time to shift your focus back to saving money. Create an emergency fund to cover at least three months of expenses. For example, if your household expenses, including the mortgage, bills, car payments, etc. total $4,000 per month, then you will need to save at least $12,000 in your emergency fund. There are often unexpected expenses associated with homeownership, so you want to make sure you can cover those costs. One way to help prevent unexpected costs is to perform regular maintenance on appliances and systems that require upkeep. Failure to do so may end up costing you more in the long run.

Read more here: https://mvbhomeloans.com/resources/news/buying-your-first-home-0

04/23/2026

There are many homebuying programs out there. Look at what is available in your state and determine which ones you qualify for, including mortgage options available through the FHA, USDA, VA, and conventional mortgages. You will want to look at first-time homebuyer programs by state, as they vary from place to place.

Have your lender provide you with a pre-approval letter to show sellers and real estate agents you are legitimately interested in purchasing a home. After you have found a property, work with your real estate agent to make an offer. If the seller accepts the offer, you will make a deposit and the home will transition into escrow, which usually lasts around 30 days. During this time, the seller will take the house off the market, and if you do not find any reason to rescind your offer after the home inspection, then you are able to move on to closing. Do not pass on the opportunity to have the home inspected, as it could reveal serious issues that are not immediately visible.

Before you close on a property, you will need to secure homeowners insurance, which helps cover losses and damage to the property should an unexpected event occur, such as a fire or burglary. Most lenders will request that you receive a home appraisal and title search. Private mortgage insurance is also required when the down payment is less than 20 percent of the purchase price. Closing costs often include loan origination fees, title insurance, surveys, taxes, and credit report charges.

Read more here: https://mvbhomeloans.com/resources/news/buying-your-first-home-0

Address

Middletown, MD

Telephone

(855) 886-5363

Website

http://mvbhomeloans.com/

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