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.
Description | Rates As Low As | APR* | Monthly Payment Example | |
---|---|---|---|---|
10 Year Fixed Rate | 6.250% | 6.480% |
$11.23
/ per $1000.00 |
|
15 Year Fixed Rate | 6.250% | 6.414% |
$8.58
/ per $1000.00 |
|
20 Year Fixed Rate | 6.375% | 6.507% |
$7.39
/ per $1000.00 |
|
25 Year Fixed Rate | 6.625% | 6.739% |
$6.84
/ per $1000.00 |
|
30 Year Fixed Rate | 6.625% | 6.726% |
$6.41
/ per $1000.00 |
Need a Larger Home Loan?
Choose one of five jumbo fixed-rate mortgage options with loans from $726,201 up to $2.5 million.
Description | Rates As Low As | APR* | Monthly Payment Example | |
---|---|---|---|---|
Jumbo 10 Year Fixed | 5.750% | 5.779% |
$10.98
/ per $1000.00 |
|
Jumbo 15 Year Fixed | 5.750% | 5.771% |
$8.31
/ per $1000.00 |
|
Jumbo 20 Year Fixed | 5.875% | 5.892% |
$7.10
/ per $1000.00 |
|
Jumbo 25 Year Fixed | 6.125% | 6.139% |
$6.53
/ per $1000.00 |
|
Jumbo 30 Year Fixed | 6.125% | 6.138% |
$6.08
/ per $1000.00 |

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.
Browse Common Questions
Have questions or want to chat with someone about our fixed-rate mortgages? Speak with one of our mortgage consultants today to discuss your options. Consultants are available Monday – Friday 8 a.m. – 5 p.m. and Saturday 9 a.m. - 12 p.m. at 800.237.7328, ext. 3878.
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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
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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.
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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 consultants are here to help.
Have Questions? We're Here to Help
Need to talk to us directly? Call 800.237.7328 or send an inquiry.
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