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.
- Fixed Rate Mortgage
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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 | 5.000 |  5.103% |
| 15-year Fixed 1 points | 4.750 | 5.003% |
| 15-year Fixed 2 points | 4.500 | 4.904% |
| 15-year Fixed 3 points | 4.250 | 4.804% |
| 30-year Fixed 0 points | 5.625 | 5.813% |
| 30-year Fixed 1 points | 5.375 | 5.650% |
| 30-year Fixed 2 points | 5.125 | 5.486% |
| 30-year Fixed 3 points | 4.875 | 5.322% |
*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
- 7-Year Balloon Mortgage
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PSECU's 7-Year Balloon mortgages offer low rates. The monthly payment is based on a 30-year term. The loan matures in 7 years, the remaining principal balance is due at that time. 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.
Eligibility Requirements
Rates
| Description | Rate as low as | APR* |
| 7-year balloon 0 points | 5.500 | 5.830% |
| 7-year balloon 1 points | 5.250 | 5.762% |
| 7-year balloon 2 points | 5.000 | 5.694% |
| 7-year balloon 3 points | 4.750 | 5.626% |
*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
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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% | 3.173% |
| 30-year Variable | 4.740% | 3.119% |
*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
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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.
Eligibility Requirements
Rates
| Description | Rate as low as | APR* |
| 30-year 5/1 Variable | 5.125% | 3.872% |
*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
- Pennsylvania Housing Finance Agency Mortgage
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PSECU provides Pennsylvania Housing Finance Agency (PHFA) mortgages. Income and purchase limits apply along with other restrictions. To find out more about this program, call one of our Mortgage Consultants.