Select Page

Mortgage Options

Find out which type of mortgage will work best for you.
Apply Now

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

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

Pin It on Pinterest

  • Service Excellence Form

Office Status

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

Office LocationStatus
Berwick - Main OfficeNormal Hours
Berwick - Briar CreekNormal Hours
Berwick - FreasNormal Hours
Berwick - SalemNormal Hours
BethlehemNormal Hours
BrodheadsvilleNormal Hours
DallasNormal Hours
Danville Normal Hours
HanoverNormal Hours
KingstonNormal Hours
MifflinvilleNormal Hours
MountainhomeNormal Hours
Mountain TopNormal Hours
NescopeckNormal Hours
PlymouthNormal Hours
Scott TownshipNormal Hours
ShickshinnyNormal Hours
StroudsburgNormal Hours
SwiftwaterNormal Hours

  • Request Information