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.

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Buy, build, or refinance – with options that fit your life:

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Get competitive rates, lower up-front costs, and personalized support with:

Low origination fees.
Low PSECU-related closing costs.
Flexible terms.
Fixed- and adjustable-rate options.
Lifelong loan servicing.
No underwriting, processing, application, appraisal, or flood certification fees.

Meet Our Mortgage Team

Choose payment terms that fit your budget.

Our mortgage products offer 10‑, 15‑, 20‑, 25‑, and 30‑year² fixed‑ and adjustable‑rate terms.

Quick Explainer: Our adjustable-rate mortgages (ARMs) offer a competitive starting rate that’s fixed for 1, 3, 5, or 7 years. After that, your rate may go up, down, or stay the same each year based on market conditions. Rate caps of 1/5 mean your rate can change by no more than 1% per year and no more than 5% total over the life of the loan.

Estimate Your Mortgage Payment

Buy, build, or refinance – with options that fit your life:
- Conventional
- Jumbo
- First-Time Homebuyer¹
- Construction
- Physician
- Refinance
Learn More
Get competitive rates, lower up-front costs, and personalized support with:
- Low origination fees.
- Low PSECU-related closing costs.
- Flexible terms.
- Fixed- and adjustable-rate options.
- Lifelong loan servicing.
- No underwriting, processing, application, appraisal, or flood certification fees.
Meet Our Mortgage Team
Choose payment terms that fit your budget.

Our mortgage products offer 10‑, 15‑, 20‑, 25‑, and 30‑year² fixed‑ and adjustable‑rate terms.

Quick Explainer: Our adjustable-rate mortgages (ARMs) offer a competitive starting rate that’s fixed for 1, 3, 5, or 7 years. After that, your rate may go up, down, or stay the same each year based on market conditions. Rate caps of 1/5 mean your rate can change by no more than 1% per year and no more than 5% total over the life of the loan.

Estimate Your Mortgage Payment

$500³ Off Mortgage Origination Fee for First-Time Homebuyers

First-time homebuyers can qualify to receive $500 off mortgage origination fees from May 1, 2025-July 31, 2025, when you meet promo requirements.

Who Qualifies as a "First-time Homebuyer?"

A first-time homebuyer is a person who is buying a principal residence for the first time, or who has not owned a home in the last three years.

The mortgage applicant must be a first-time homebuyer. However, they do not have to apply for a mortgage through our First-Time Homebuyer program. All our mortgages are eligible for this promotion. As long as the applicant selects that they are a first-time homebuyer in the application and meets all promo requirements, they can qualify to receive the discount.

Our First-Time Homebuyer Program¹

Make homeownership a reality! Up to 100% financing available + no PMI required. Attainable credit requirements, competitive rates, and flexible terms. Welcome home to personalized service, affordable mortgage payments, and peace of mind.

Step Into Homeownership

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New! Physician Mortgage

You’ve worked hard to build your career. Now let us help you build your future. Our Physician Mortgage makes homeownership possible by offering:

Deferred student loan debt excluded from debt-to-income ratio.
No PMI, even with less than 20% down.
Up to 100% financing for purchases (95% for refinances).
Loan amounts up to $2 million.
Fixed- and adjustable-rate options.
Mortgages for home purchase, refinance, construction, and jumbo loans.

Step Into Homeownership

After you submit your mortgage application, a PSECU mortgage originator 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 originators 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 originators 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.

¹Additional options for first-time homebuyer products/terms available. PMI may be required. Contact one of our mortgage originators to find out which one is right for you. Loans are set up for monthly payments only and are not subject to balloon payments. Products and terms are subject to change without notice. All loans subject to credit approval.

²Loans are set up for monthly payments only and are not subject to balloon payments. Products and terms are subject to change without notice. All loans subject to credit approval.