Construction Loans

• Work with us throughout the entire process of becoming a homeowner
• Only one closing required
• The same rate applies for your construction and permanent financing

• 30-year construction mortgage
• 15-year construction mortgage
• 5/1 Adjustable Rate Mortgage (ARM)

 Mortgage Pre-Qualifications

• Know how much house you can afford prior to looking

 First-Time Home Buyers

• Affordable financing with minimal out-of-pocket expense
• First time home buyers can benefit from our relationship with the Pennsylvania Housing Finance Agency (PHFA)

 Mortgage Refinancing

• Lower your current payments with a lower rate mortgage

 First Mortgages

This program provides you with affordable financing with minimal out-of-pocket expense. First-time home buyers can benefit from our relationship with the Pennsylvania Housing Finance Agency (PHFA).

• 5/1 Adjustable Rate Mortgage (ARM) This adjustable rate mortgage offers you a low, fixed interest rate for the first five years of your loan and then your rate adjusts once a year thereafter. This may be a good financing option for you, depending upon your individual circumstances and lifestyle. Rate adjustment caps of 2 percent annually and 5 percent over the life of this loan help you to be able to predict how your rate change will affect your budget. Ask for details.
• 10, 15, 20 or 30-Year Fixed Rate Mortgages
• 30-Year Fixed VA/FHA Mortgages
  • Guaranteed by the federal agency
  • Offered to qualified armed forces, active military personnel, veterans or their widows
  • GHA insures the loan in case buyer can't make payments
  • Requires little or no money down

• USDA Rural Economic Mortgage
  • No down payment or 100% financing
  • Fixed rate
  • Income and property restrictions may apply