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  1. Home
  2. Mortgages
  3. Fixed-Rate Mortgages

Fixed-Rate Mortgages

Fixed-Rate Mortgages with Multiple Term Options

Get predictable monthly payments with a fixed-term mortgage. Terms include 10, 15, 20, 25, and 30 years.

Fixed Mortgage Rates

Valid as of XX/XX/XXXX

Description Rates As Low As APR* Monthly Payment Example
/ per
/ per
/ per
/ per
/ per

Additional terms and rates are available with the purchase of points. Please contact a mortgage originator for more information at 800.237.7328 ext 3878.

*APR denotes Annual Percentage Rate. The APR reflects the total cost of the loan and takes into consideration not only the interest rate, but other charges or fees such as mortgage insurance, some closing costs, and points. The APR represents the annual cost of the loan stated as a percentage.

Rates, terms, and information are subject to change at any time. Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, occupancy, credit score, and subordinate financing. Rates apply to loans up to Fannie Mae’s conforming mortgage loan limits. Mortgage loan payment example: 10 year fixed 0 points of $10.67 per $1,000 borrowed at the 5.350% APR; 15 year fixed 0 points of $8.11 per $1,000 borrowed at the 5.535% APR; 20 year fixed 0 points of $6.89 per $1,000 borrowed at the 5.627% APR; 25 year fixed 0 points of $6.45 per $1,000 borrowed at the 6.110% APR; 30 year fixed 0 points of $6.00 per $1,000 borrowed at the 6.098% APR. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, therefore actual payment amount is greater and varies from those shown. Loan amounts greater than 80% LTV are subject to meeting private mortgage insurance requirements. Please contact us for specific rate information, mortgage loan limits, or down payment requirements at 800.237.7328, extension 3878.

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Need a Larger Home Loan?

Choose one of five jumbo fixed-rate mortgage options with loans from $766,551 up to $2.5 million.

Jumbo Fixed Mortgage Rates

Valid as of XX/XX/XXXX

Description Rates As Low As APR* Monthly Payment Example
/ per
/ per
/ per
/ per
/ per

Additional terms and rates are available. Please contact a mortgage originator for more information at 800.237.7328 ext 3878.

*APR denotes Annual Percentage Rate. The APR reflects the total cost of the loan and takes into consideration not only the interest rate, but other charges or fees such as mortgage insurance, some closing costs, and points. The APR represents the annual cost of the loan stated as a percentage.

Rates, terms, and information are subject to change at any time. Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, occupancy, credit score, and subordinate financing. Rates apply to loans greater than Fannie Mae’s conforming mortgage loan limits up to 2.5 million dollars. Mortgage loan payment example: 10 year fixed 0 points of $10.43 per $1,000 borrowed at the 4.652% APR; 15 year fixed 0 points of $7.85 per $1,000 borrowed at the 4.894% APR; 20 year fixed 0 points of $6.61 per $1,000 borrowed at the 5.015% APR; 25 year fixed 0 points of $6.15 per $1,000 borrowed at the 5.513% APR; 30 year fixed 0 points of $5.69 per $1,000 borrowed at the 5.511% APR. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, therefore actual payment amount is greater and varies from those shown. Loan amounts greater than 80% LTV are subject to meeting private mortgage insurance requirements. Please contact us for specific rate information, mortgage loan limits, or down payment requirements at 800.237.7328, extension 3878.

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Resume Application or Check Status
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How PSECU Fixed-Rate Mortgages Work

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.

PMI may be required. Contact one of our mortgage originators to find out which mortgage product is right for you.

Browse Common Questions

Have questions or want to chat with someone about our fixed-rate mortgages? Speak with one of our mortgage originators today to discuss your options. Originators are available Monday – Friday 8 a.m. – 5 p.m. and Saturday 9 a.m. - 12 p.m. at 800.237.7328, ext. 3878.

Meet Our Team
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  • 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
  • You may request to waive an escrow account if the loan-to-value (LTV) is 80% or lower, taxes and insurance have been paid timely in the past, and you have the ability to pay them on your own.

  • Each point is equal to one percent of the loan amount. The cost of points is added onto closing costs and may buy down to a lower interest rate than what is posted. Please contact a mortgage consultant for more information.

  • Private Mortgage Insurance (PMI) is generally required for loans with a loan-to-value (LTV) ratio greater than 80%. This coverage helps protect the lender in case you can't make your payments and default on the loan. PMI makes it possible for borrowers with small down payments to buy a home.

Realize the Benefits of a PSECU Home Loan

At PSECU, you’ll find a wide variety of mortgage loan products, customized service, and experts to guide you through the mortgage application process.

  • We offer competitive rates and reduced closing costs, as we do not charge our members for appraisals, flood certifications, or credit reports.
  • We also work with preferred settlement companies throughout Pennsylvania that our members can choose to save even more money on their closing costs.
  • You can get pre-qualified or complete your application online, at your convenience – and if you have questions, our trained mortgage originators are here to help.

 

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Back to Mortgages
Explore More:
  • Adjustable-Rate Mortgages
  • First-Time Homebuyer
  • Refinancing
Contact a Mortgage Originator
Have questions before you begin? Contact one of our originators today.
  • Adjustable-Rate Mortgages
  • First-Time Homebuyer
  • Refinancing

Have Questions? We're Here to Help

Need to talk to us directly? Call 800.237.7328 or send an inquiry.

Resource Center

Personal finance resources from PSECU are free financial literacy resources for adults. Explore our free financial education resources on money management. Knowledge is power!

What Is Digital-First Banking?

Digital banking means accessing banking products and services via a bank or credit union's website or mobile app. However, digital-first banking with PSECU means so much more.

Support Center

The PSECU member support center is a helpful source of information for everything from the PSECU routing number to ordering checks, checkbook covers, and check registers.
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Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member
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