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Types of Mortgages

 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
 Options Include:
  • 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

 Land Loans

If you are looking to build a new home, we can help you finance your land purchase.

  • 3, 5, 7, 10 or 12 year term available


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