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Mortgage Options

Find out which type of mortgage will work best for you.
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There’s No Shortage of Options

We offer a variety of options for mortgages. If you’re not sure what type of mortgage you’re looking for, please contact us and we’ll work with you to figure out which will work best for you.

Conforming Mortgages

Traditional, fixed-rate mortgages for homes.

  • Loan term of 15, 20, or 30 years
  • Down payment as low as 5% of purchase price
  • Have the option to include your property taxes and homeowners insurance with your monthly payment

First Home Program

Fixed-rate, in-house mortgages for first time home buyers.

  • Loan term of 20 years, can be amortized up to 30 years
  • Down payment as low as 10% of purchase price
  • Requires that you include your property taxes, homeowners insurance, and private mortgage insurance with your monthly payment
  • Income limits apply; speak with a consultant for more details

FHA Loans

Fixed-rate mortgages insured by the Federal Housing Administration with lower down payment requirements.

  • Loan term of 15 or 30 years
  • Down payment as low as 3.5% of purchase price
  • Requires that you include your property taxes, homeowners insurance, and private mortgage insurance with your monthly payment
  • Requires that the home meets certain conditions and must be used as your primary residence

VA Loans

Mortgages that provide veterans with a federally guaranteed home with no down payment.

  • Loan term of 15 or 30 years
  • No down payment requirement
  • Must be for your own personal occupancy

USDA Rural Housing

Mortgages for homes in eligible rural areas as defined by USDA.

  • Loan term of 30 years
  • No down payment requirement
  • USDA mortgage insurance is required for loans
  • Requires that you include your property taxes, homeowners insurance, and private mortgage insurance with your monthly payment

Have questions? Get in touch with us and we’ll be happy to help you find the perfect mortgage for your new home.

Meet Our Team

Leighton B. Walsh

Mortgage Services Manager
NMLS #520203
570.752.3671 x1333

Servicing Columbia and Montour Counties

Ashley Milloway

Mortgage Loan Consultant
NMLS #1045440
570.752.3671 x1020

Servicing Columbia and Montour Counties

Sarah James

Mortgage Loan Consultant
NMLS #1208370
570.752.3671 x2518

Servicing Luzerne County and Pocono Area

Christian Stackhouse

Mortgage Loan Consultant
NMLS #1826347
570.784.0354 x1531

Servicing Columbia and Montour Counties

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COVID-19 Coronavirus

To assist in the containment of the COVID-19 virus, effective Wednesday, March 18, 2020, all offices of First Keystone Community Bank will be limited to drive thru, ATM and digital banking access. Effective Monday, April 6, 2020, all branch locations will be operating under adjusted hours. While our lobbies remain closed, our drive-thru service will be open 9AM – 4PM Monday-Friday until further notice. Our weekend drive-thru hours, Saturdays 9AM-12PM and Sunday (Main Office only) 9AM-12PM, will remain the same. For locations and hours, please click here. For more information on our COVID-19 actions, please click here.

Updated 04/03/2020 at 3:45PM

 


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