Mortgage Loans
Straightforward Mortgage Loans from a Lender You Trust
At Pioneer Federal Savings and Loan, we treat every mortgage loan like it’s for a neighbor—because it is. As a local lender deeply rooted in the communities we serve, we understand that taking out a mortgage isn’t just a financial decision—it’s a personal one. That’s why our team takes the time to get to know you, your goals, and your unique financial situation. We’re here to help you explore your options and find the mortgage solution that truly fits your needs.
We proudly keep all of our loans in-house, which means you won’t be dealing with distant decision-makers or long wait times. Instead, you’ll get personalized service, faster and more straightforward decisions, and friendly local support from people who live and work right here. Whether you’re looking to buy, build, or refinancing, we’ll be with you from application to closing—and beyond.
At Pioneer Federal, you’re not just a loan number. You’re our neighbor, and we’re committed to making the mortgage process as smooth, personal, and stress-free as possible. Let us help you take the next step with confidence.
What We Offer:
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Purchase Loans – Whether you’re buying your first mortgage, upgrading, or downsizing, our fixed-rate loans provide stability and clear terms to help you confidently finance your property.
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One-Close Construction Loans – Build your dream home with one simple loan. Our One-Close Construction Loan combines construction financing and your permanent mortgage into a single closing—saving you time, money, and stress. You’ll close once, with one set of paperwork, one set of closing costs, one fixed rate throughout the process, and your construction loan automatically converts into a permanent mortgage when the home is complete. No second closing. No added hassle. Just one smooth process from start to finish.
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Refinancing – Already have a mortgage? We can help you refinance your current mortgage to better align with your financial goals. Whether you’re looking to shorten your term or restructure your loan, we’ll help you find a solution that works for you.
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Home Equity Loans – Put the value of your home to work. Our home equity loans are a smart way to fund renovations, consolidate debt, major expenses or life’s next big project.
Why Choose Us?
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Local Decision Making: All loan approvals and decisions happen right here, so you get faster, responses and solutions tailored to our market.
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In-House Servicing: We handle everything in-house — underwriting, approval, and servicing — ensuring you get prompt answers, dependable support, and consistent, personalized service — no transfers to out-of-town companies or call centers.
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Transparency & Honesty: We believe in real conversations, clear terms, honest communication, and building long-term relationships so you can feel confident every step of the way.
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Community Focused: We’re proud to serve the neighborhoods we live in. When you borrow with us, you’re supporting a local institution that cares about your success and the well-being of our entire community.
Let’s Talk
We’re here to make home lending feel personal — not complicated. Visit us or give us a call when you’re ready.
Monthly Mortgage Payment Guide |
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| Mortgage Amount | 4% APR | 5% APR | 6% APR | 7% APR | 8% APR |
| $ 60,000 | $ 286 | $ 322 | $ 360 | $ 399 | $ 440 |
| $ 80,000 | $ 382 | $ 429 | $ 480 | $ 532 | $ 587 |
| $ 100,000 | $ 477 | $ 537 | $ 600 | $ 665 | $ 734 |
| $ 120,000 | $ 573 | $ 644 | $ 719 | $ 798 | $ 881 |
| $ 140,000 | $ 668 | $ 751 | $ 839 | $ 931 | $ 1,028 |
| $ 160,000 | $ 764 | $ 859 | $ 959 | $ 1,064 | $ 1,174 |
| $ 180,000 | $ 859 | $ 966 | $ 1,079 | $ 1,198 | $ 1,321 |
| $ 200,000 | $ 955 | $ 1,074 | $ 1,199 | $ 1,331 | $ 1,468 |
PIONEER FEDERAL SAVINGS AND LOAN ASSOCIATION
S.A.F.E. ACT PUBLIC NOTICE
Title V of the Housing Economic Recovery Act of 2008, the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (S.A.F.E. ACT) is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of mortgage loan originators.
Registration is required for mortgage loan originators who work for an insured depository institution.
The following website will provide you with information about all mortgage loan originators who are either state licensed or registered: https://www.nmlsconsumeraccess.org/
The registered mortgage loan originators who are employed by Pioneer Federal Savings and Loan Association are listed below with their unique identifier. This identifier will be needed to access the information about a particular mortgage loan originator.
- Pioneer Federal Savings & Loan Association NMLS #704467
- Julie Thompson- NMLS #710612
- Phillip Kemp Willett- NMLS #911459
- Natalie N Burks-NMLS #2128624
- Joey Beers- NMLS #2212726
- Jason Ferris- NMLS #2400536
- Evelyn Laws- NMLS #2725651
