Mortgages

Buying a home is among the most exciting life events you'll experience. It can also be one of the most stressful. So many questions - What's the right mortgage product for me? How does the process work?

Relax. We've got the answers for you. Make a call to one of our friendly, knowledgeable Mortgage Consultants and you're on your way to a worry-free home purchase.

Benefits Include:

• Great rates
• Wide variety of mortgage products including our popular ARM - with 1/5 caps!
• Expert advice from specially trained Mortgage Consultants
• Easy online application process
• Loan servicing that stays with PSECU (except for PHFA mortgages)
• Get 60 days to find the home of your choice. After the sales agreement is received by PSECU, the final approval process can begin.
• Convenient repayment option through psecu@home® online account access

Types of Mortgages:

Fixed Rate Mortgage

PSECU's Fixed Rate mortgages offer competitive rates. You decide on the rate and points that are best for you. You have the option to float or lock your rate. Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing.

Cash Out Refinances may be subject to additional pricing and other restrictions. Please call us for more information.

Eligibility Requirements

Rates

Description	Rate as low as	APR*
15-year Fixed 0 points	4.250	4.458%
15-year Fixed 1 points	4.000	4.357%
15-year Fixed 2 points	3.750	4.254%
15-year Fixed 3 points	3.500	4.153%
30-year Fixed 0 points	4.875	5.114%
30-year Fixed 1 points	4.625	4.947%
30-year Fixed 2 points	4.375	4.779%
30-year Fixed 3 points	4.125	4.611%

*APR denotes Annual Percentage Rate

Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing. Rates apply to loans up to Fannie Mae's conventional mortgage loan limits. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 717.234.8484 - extension 3864, Harrisburg or 800.237.7328 - extension 3864, nationwide (USA).

More Rates

1-Year Adjustable Rate Mortgage

PSECU's 1-Year Adjustable Rate mortgages (ARM) offer a low start rate and no points or origination fees! Caps are 1/5, which means your interest rate will not adjust more than 1% up or down per year and no more than 5% up over the life of the loan. We also offer financing for Construction Draw mortgages under our adjustable rate mortgage program.

Eligibility Requirements

Rates

Description	Rate as low as	APR*
15-year Variable	4.240%	3.188%
30-year Variable	4.740%	3.071%

*APR denotes Annual Percentage Rate

Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing. Rates apply to loans up to Fannie Mae's conventional mortgage loan limits. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 717.234.8484 - extension 3864, Harrisburg or 800.237.7328 - extension 3864, nationwide (USA).

More Rates

5/1 Adjustable Rate Mortgage

PSECU's 5/1 Adjustable Rate mortgages (ARM) offer a low start rate that is guaranteed for your first five years with no points or origination fees. Rate caps are 2/5, which means your interest rate after your fifth year will not adjust more than 2% up or down per year and no more than 5% up or down over the life of the loan. Construction Draw mortgages are not available for this ARM product. Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing.

Rates

Description	Rate as low as	APR*
30-year 5/1 Variable	4.125%	3.451%

*APR denotes Annual Percentage Rate

Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing. Rates apply to loans up to Fannie Mae's conventional mortgage loan limits. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 717.234.8484 - extension 3864, Harrisburg or 800.237.7328 - extension 3864, nationwide (USA).

More Rates

Please Note: Certain loans may be subject to additional pricing and other restrictions.