An Absolutely Exceptional Mortgage Experience
MVB Home Loans is a wholly-owned HUD Eagle certified mortgage subsidiary of Middletown Valley Bank ("MVB" or the "Bank"). As such, MVB Home Loan lenders have access to both portfolio and secondary market loan programs to meet the needs of customers.
Meet the Team!
Let's Help Get Your Clients a Home.
Our production partners are in charge of the daily movement of the loan files. Our underwriting and loan processing team work closely with borrowers, agents, and other operational teams to make sure the loan process is smooth and easy.
- Initial Interviews
- Strategy Conversations
- Application Review - Income, Credit, and Asset Analysis
- Assist with Pre-Approvals
- Planned Check-Ins and Updates
- Offer Submissions
- Under Contract Conversations
- File Updates
- Vendor Requests
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Jerry Merrick
Executive Vice President - President of Mortgage Lending
(301) 334-9336 x403
NMLS ID 415445
Read Bio -
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Who Is MVB Home Loans?
MVB Home Loans is based out of Middletown, MD. MVB Home Loans has multiple locations across Maryland and Pennsylvania, and access to MVB's growing branch network. Our team members can currently lend in 38 states, and they have access to the Bank's home equity line of credit products, as well as MVB's commercial lending resources. Support services include exceptional support staff throughout the mortgage process from in-house underwriters to closers.
How Do We Meet Your Clients?
We communicate with you and your clients through various platforms to fit your clients' schedule and needs.
Call or Text
In-Person
Zoom or Teams
How Do We Help You?
What About the Benefits?
Medical Benefits
- Traditional & High Deductible Plans
- Eligible on the 1st of the month following 30 days of employment
Dental Benefits
- Eligible on the 1st of the month following 30 days of employment
Vision Benefits
- Eligible on the 1st of the month following 30 days of employment
Life Insurance, Long-Term & Short-Term Disability Benefits
- Eligible on the 1st of the month following 30 days of employment
- 1x your salary life insurance, as well as short-term & long-term disability at no cost to employee. Additional life insurance options available at group rate.
401(K) Retirement Plan
- Eligible after 90 days of employment & at least age 21
- 50% match on up to 6%
Vacation & Sick TIme
- Eligible employees begin accruing vacation & sick time on the date of hire and it will be available for use following 3 months of employment. Generally, full-time employees are eligible for 12 working days (96 hours) of vacation & 5 working days (40 hours) of sick time per year. All time will be pro-rated as of your start date.
Payroll
- Dependent upon your role, employees are paid on a bi-weekly (26 pay periods a year) or semi-weekly (24 pay periods a year) payroll schedule and 2-weeks in arrears. Payroll is through direct deposit to an institution of your choice.
Do You Still Have Questions?
That's ok! We have outlined a few more highlights that we think are valuable information below. Give us a call to discuss!
- We're experienced! We have over 20 years in the mortgage business.
- We have earned the "FHA Direct Endorsement Lender" status, given only to lenders in the industry who meet specific guidelines. These guidelines include review of the company's experience, sound lending practices, financial strength and overall business conduct.
- We are delegated as an underwriter by USDA and FHA, which results in quicker turn times. Our underwriters commit to providing answers within 24-48 hours.
- We offer same day pre-approvals at no cost or obligation and we can close our most popular loan products in 45 days or less.
- We offer credit rebuilding programs to help individuals achieve overall better financial wellness and prepare them for home ownership.
- You will be assigned a dedicated loan partner who will handle every file (no more chasing down conditions), and communicate with your client on your behalf. Your loan partner will also keep in touch with your referral partners to secure those relationships while you focus on what you do best: generating new business.
- Our status as a lender gives you greater control over the loan process from origination to funding.
- In-house and experienced operations, processing, and underwriting teams.
- We underwrite "TBD" so your borrower can get a commitment before they put in an offer.
- Our relationships with the secondary market, in addition to our Bank ownership structure, allow us to broker niche products for our customers.
