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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.

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Office Status

Please check the table below for the status of your local community office.

Office LocationStatus
Berwick - Main OfficeNormal Business Hours
Berwick - Briar CreekNormal Business Hours
Berwick - FreasNormal Business Hours
Berwick - SalemNormal Business Hours
BethlehemNormal Business Hours
BrodheadsvilleNormal Business Hours
DallasDrive Thru Only
DanvilleNormal Business Hours
HanoverNormal Business Hours
KingstonNormal Business Hours
MifflinvilleNormal Business Hours
MountainhomeNormal Business Hours
Mountain TopNormal Business Hours
NesckpeckNormal Business Hours
PlymouthNormal Business Hours
Scott TownshipNormal Business Hours
ShickshinnyNormal Business Hours
StroudsburgNormal Business Hours
SwiftwaterDrive Thru Only

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