Mortgages

Helping you get into your dream home is one of the ways we’re here to be your trusted financial partner. Welcome to competitive rates, personal service, and peace of mind.

Resume Application or Check Status

Ready to Buy a Home?

Options for first-time homebuyers to existing owners:

First-Time Homebuyer Program¹
Fixed- and Adjustable-Rate Mortgages
Jumbo Fixed- and Adjustable-Rate Mortgages

Get Started

Looking to Refinance?

Refinancing your home can help you:

Lower your monthly payment
Shorten your loan term
Access your equity and cash out

Get Started

Build with a Construction Loan

Our construction loans have great features:

Down payment as low as 10%
Low origination fee
No cost for appraisal, processing and underwriting, build draw inspections, credit report, or flood certification

Get Started

Ready to Buy a Home?

Options for first-time homebuyers to existing owners:
- First-Time Homebuyer Program¹
- Fixed- and Adjustable-Rate Mortgages
- Jumbo Fixed- and Adjustable-Rate Mortgages
Get Started
Looking to Refinance?

Refinancing your home can help you:
- Lower your monthly payment
- Shorten your loan term
- Access your equity and cash out
Get Started
Build with a Construction Loan

Our construction loans have great features:
- Down payment as low as 10%
- Low origination fee
- No cost for appraisal, processing and underwriting, build draw inspections, credit report, or flood certification
Get Started

Meet Our Team

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After you submit your mortgage application, a PSECU mortgage consultant will review your application. We’ll answer any questions you may have and, if you're qualified, provide you with a prequalification letter if you’re purchasing a home. The prequalification letter lets you know exactly how much house you can afford and helps you make a strong bid to the seller.

Once you find the right house and go under contract, we can move forward in the loan process. At this time, you provide more detailed financial information. Throughout the process, our mortgage consultants will keep you up to date regarding the status of your loan to make sure everything is on track. After closing, we’ll service your loan through the life of your mortgage.
We will finance properties that are:

Located in the state of Pennsylvania

Recorded with PSECU listed as first lien holder. The property secures your mortgage loan.

Titled after purchase in the name(s) of individual(s), not a trust

Owner-occupied homes, vacation homes, or residential non-owner occupied properties with one, two, three, or four units. Some exceptions apply.

Condominiums or residences within a Planned Unit Development (PUD) that meet certain criteria. Please contact our mortgage consultants for more information.

We will not finance properties that are:

Single-wide manufactured homes

Timeshares

Not in acceptable marketable condition

Non-owner-occupied condo or manufactured homes

Located outside Pennsylvania

Fixed-rate mortgages have a fixed interest rate for the life of the loan. The monthly payment for principal and interest on a fixed-rate loan stays the same every month for the term of the loan.

You have the option to buy down the interest rate by paying discount points upfront. You can choose to lock in your interest rate once you’ve signed a sales agreement, or wait until closer to closing.
Our adjustable-rate mortgages (ARMs) offer a competitive starting rate that is fixed for either 1, 3, 5, or 7 years, depending on the terms of the loan. After the initial fixed period, and each year thereafter, the interest rate will either remain the same, increase, or decrease based on the current rate environment at that time. Caps for the adjustable-rate mortgages are 1/5, which means your interest rate will not adjust more than 1% up or down per year after the initial fixed-rate period. The rate will increase no more than 5% from the initial rate over the life of the loan. Contact us to discuss your specific situation.