Buy or build...OVB has you covered.


Ohio Valley Bank offers mortgages, home equity, and construction loans. This is a listing of some of our home loan products. To discuss how OVB can help you with your housing needs, stop by any office, email us,  or give us a call at 800-468-6682.

Mortgage Center



At our convenient online Mortgage Center, you can:

  • Apply for a mortgage loan online
  • Browse up-to-date mortgage rates
  • Learn about loan programs and what to expect when closing
  • Use multiple calculators to help with your decision
  • Sign up to receive an alert when rates change

Not sure what to bring to your appointment? Print out this document checklist.
Our rates are purchase/refinance for owner occupied property.

Home Equity Loan or HELOC

Ohio Valley Bank offers Home Equity Loans and HELOCs (Home Equity Lines of Credit) that allow you to take advantage of the equity in your home to consolidate debit, remodel your home, or make a major purchase at a rate lower than credit cards. And if used for home renovations, check with your tax advisor to see if the interest is deductible. Ask a OVB loan officer for details on OVB’s Home Equity offerings. Learn more


Rent Buster

Ohio Valley Bank's Rent Buster Loan Program is designed to allow individuals, with a good credit history, purchase a home with NO MONEY DOWN. Pay no more rent! That's right, we will loan you 100% of the money you need to purchase a new home. The Rent Buster program is not affiliated with any government entities. This means less paperwork and faster service for you, the home buyer.


Capital Line

It's the loan that's as easy as writing a check! Provides pre-approved loan funds which you draw upon as needed.

USDA & FHA Loans

USDA
USDA loans are guaranteed by the U.S. Department of Agriculture and are considered as a no money down mortgage option for low to moderate income homebuyers seeking to own a home in an eligible rural area. They offer attractive rates and are lenient when it comes to credit score. 

FHA
Federal Housing Administration (FHA) loans are also government backed and a good alternative for those with trouble obtaining a traditional mortgage due to credit history. FHA loans also often have low down payment options, depending on credit score. It must be used for a primary residence that you can occupy within sixty days of closing.

Residential Construction

We can help you build your dream home! Our rates are for owner occupied property.

NOTE: All loans are subject to credit approval. APR=Annual Percentage Rate. Rates are subject to change. Other rules and restrictions than noted above may apply on these products. Check your nearest office for complete details before deciding.