Current Rates

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Mortgages

Loan TypeRatePtsAPR1
3/1 Adjustable3.10%0 *3.86%APPLY NOW
5/1 Adjustable3.25%0 *3.80%APPLY NOW
7/1 Adjustable3.825%0 *4.18%APPLY NOW
10-Year Fixed3.00%0 *3.16%APPLY NOW
15-Year Fixed3.20%0 *3.31%APPLY NOW
20-Year Fixed3.70%0 *3.79%APPLY NOW
30-Year Fixed3.95%0 *4.01%APPLY NOW

Mortgage rates are effective as of May 22, 2017 and are subject to change.

The rates shown are indicative of rates for a borrower with a 720+ credit score and 67% or less combined loan-to-value ratio making a 20% down payment on the purchase of a single-family detached dwelling that will be occupied as the borrower’s principal residence and assumes electronic payments are automatically deducted from their bank account. Rates may differ among borrowers based upon various factors, including the borrower’s credit score and the loan-to-value ratio.

1Annual Percentage Rate

* Discount Points: Mortgage loans with points are also available. Please call us for the most current rates.

Mortgage Fees

  • Application Fee

    $435 - single family
    $635 - 2-4 units

  • Loan Origination Fee

    $750 - primary/secondary home w/ < $75,000 escrow for repairs/improvements (+insp. fees)
    $950.00 - investment property purchase or refinance
    $900 - investment property w/ < $75,000 escrow for repairs/improvements (+insp. fees)
    $1,500 - primary/secondary/investment property w/ $75,000 or more for escrow repairs/improvements (includes up to 6 inspections)

  • Construction Loan Fee

    $1,500 - primary/secondary investment
    Purchase or refinance with escrow of improvement costs will have additional fees.

  • Recording Fee

    Varies by county, Purchase typically $150-$200.
    Refinance typically $100-$150.

Title Insurance may be required. Cost is dependent upon your transaction.

Annual Percentage Rate: The APRs shown in the chart above were calculated using an assumed loan amount of $100,000 amortized over the maximum term and a loan-to-value ratio of 80%. The APR reflects any prepaid finance charges as well as the anticipated interest expense over the life of the loan.

ESSA First-Time Home Buyer’s Program: Special rates for first-time home buyers with household incomes up to $86,135 on properties in Monroe County, $84,410 for Northampton and Lehigh County properties, $68,425 for Lackawanna and Luzerne County properties and $95,680 for Delaware, Chester and Montgomery County properties. Qualified buyers can receive preferential rates on most loan types. Maximum purchase price is $250,000. The appraisal fee is refunded only at closing. Additional programs may be available. Please call for more details.

Jumbo Loans: Defined as single family home loans greater than $424,100. Financing is available for loans up to $750,000 at special rates and terms. Please call for details.

Investment Property Loans: Financing for 1-4 family rental properties is available at different rates and terms from the owner-occupied loan rates shown above. Please call for details.

Bi-Weekly Loans: A popular option for those looking to save years of payments and thousands of dollars. Bi-weekly mortgage loan rates are offered at the same rate as monthly payment loan rates. For More Information: Call 570-421-0531 (or from outside the 570 area code, call 1-866-879-3772) to speak with one of our experienced loan originators.

THIS INFORMATION IS MEANT TO BE A SUMMARY AND FURTHER RESTRICTIONS MAY APPLY.

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Home Equity Loans

TermRateAPR1
1-5 Years3.25%3.25%APPLY NOW
6-10 Years3.89%3.89%APPLY NOW
11-15 Years4.10%4.10%APPLY NOW

Home Equity Loan rates are effective as of May 22, 2017, and are subject to change.

The rates shown are indicative of rates for a qualified homeowner with a 720+ credit score and 67% or less combined loan-to-value ratio on a single-family detached dwelling that is occupied as the borrower’s principal residence and assumes electronic payments are automatically deducted from their bank account. Rates will differ among borrowers based upon various factors, including the borrower’s credit score and the loan-to-value ratio.

Discount of .25% for loans in a first lien position

  • Application Fee: $0.00
  • Recording Fee: Varies by county, typically $100-$175

1Annual Percentage Rate

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Home Equity Lines of Credit

Rate
4.00%1APPLY NOW

Home Equity Line of Credit rates are effective as of May 22, 2017, and are subject to change.

The rate shown is indicative of the rate for  a qualified homeowner with a 720+ credit score and an 67% or less combined loan-to-value ratio on a single-family detached dwelling that is occupied as the borrower’s principal residence and assumes electronic payments are automatically deducted from their bank account. Rates will differ based upon various factors, including the borrower’s credit score and the loan-to-value ratio

1
The rate stated above is a variable rate and adjusts monthly based on the Prime Rate published in The Wall Street Journal. The maximum APR is 18%; minimum APR is 3.75%. The Annual Percentage Rate does not include costs other than interest.
  • Appraisal Fee: $300 payable at application
  • Recording Fee: Varies by county, typically $100-$175
  • Annual Maintenance Fee: $15, waived for the first year

The annual maintenance fee is waived for the first year and $15.00 per year thereafter. Talk to one of our loan specialists for complete details.

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Lot Loans

TermRateAPR1
5 - Year Fixed7.00%7.84%APPLY NOW
10 - Year Fixed7.50%7.96%APPLY NOW

Lot Loan rates are effective as of May 22, 2017, and are subject to change.

The rates shown are indicative of rates for loans of $40,000 for residential building lots of 5 acres or less for borrowers with 720+ credit scores and 30% down payments.

  • Application Fee: $337.00
  • Loan Origination Fee: $500.00

Recording Fee: Varied by county, typically $150-$200

Title Insurance is typically required.

1Annual Percentage Rate

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