Adjustable Rate Mortgage (15/1 ARM)
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 6.125% | 0.000 | 6.306% | $6.08 |
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- The above rates and down payment requirements are available for residential loans within Pennsylvania.
- APRs are based on a loan amount of $125,000 with 20% down payment for the purchase of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- Rates may differ among borrowers based upon various factors, including the borrower’s credit score and the loan-to-value ratio
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects a 15/1 ARM and an interest rate lock for 60 days, as well as approximate prepaid finance charges, including origination and discount points, if applicable
- Index based upon the weekly average yield on the U.S. Treasury Securities adjusted to a constant maturity of one (1) year, as published weekly in the Wall Street Journal
- 2/2/5 Caps (2% maximum increase at first adjustment, 2% maximum per adjustment, 5% life cap over the life of the loan)
- Margin - 2.750%
- Floor - 2.750%
- No conversion option
- Mortgages are for loan amounts up to $2,000,000
- Applications are subject to credit approval
- Other APRs available for loans with similar terms and conditions
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
Conventional Fixed Rate
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 6.125% | 0.000 | 6.307% | $6.08 |
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| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 5.375% | 0.000 | 5.660% | $8.11 |
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- The above rates and down payment requirements apply to properties located within Pennsylvania
- Principal and Interest (P & I) payments shown are based on a loan amount of $125,000 with 20% down payment for the purchase or limited cash-out refinance of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- Rates may differ among borrowers based upon various factors, including the borrower’s credit score and the loan-to-value ratio
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 45 days, and approximate prepaid finance charges, including origination and discount points, if applicable
- Conventional Mortgages are for loan amounts up to $832,750
- Conventional loans with a down payment of less than 20% may require mortgage insurance which could increase the monthly payment and Annual Percentage Rate (APR)
- Applications are subject to credit approval
- Other APRs available for loans with similar terms and conditions
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
New Construction/Permanent
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 6.375% | 0.000 | 6.517% | $6.24 |
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| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 5.625% | 0.000 | 5.916% | $8.24 |
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- 10% minimum down payment required for all construction loans
- The above rates and down payment requirements are available for residential loans within Pennsylvania.
- APRs are based on a loan amount of $125,000 with 20% down payment for the purchase or limited cash-out refinance of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- Rates may differ among borrowers based upon various factors, including the borrower’s credit score and the loan-to-value ratio
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 60 days, and approximate prepaid finance charges, including origination and discount points, if applicable
- Conventional mortgages are for loan amounts of up to $832,750
- Conventional mortgages with a down payment of less than 20% may require mortgage insurance which could increase the monthly payment and Annual Percentage Rate (APR)
- Applications are subject to credit approval
- Other APRs available for loans with similar terms and conditions
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
First Time Homebuyer
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| Call for rates | call for rates | call for rates | call for rates |
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- Grant assistance may be available
- Secondary loan assistance may be available for down payment and closing cost assistance
- Income and purchase price limits may apply
- Maximum loan size is dependent upon maximum purchase price and county being served
- APRs are based on a loan amount of $75,000 with 10% down payment for the purchase of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 60 days, and approximate prepaid finance charges, including origination points, if applicable
- Conventional loans with a down payment of less than 20% may require PMI Insurance, which could increase the monthly payment and Annual Percentage Rate (APR)
- Conventional mortgages are for loan amounts of up to $832,750
- Applications are subject to credit approval
- Other APRs are available for loans with similar terms and conditions.
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
FHA
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| Contact us for current rates | |||
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- Maximum loan size is dependent upon maximum purchase price and county being served
- The above rates and down payment requirements are valid residential personal purpose loans for counties within Lehigh Valley, PA which include the counties of Lehigh and Northampton. Please call for rates and down payment requirements for mortgage requests outside of these areas
- APRs are based on a loan amount of $125,000 with 3.5% down payment for the purchase of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 60 days, and approximate prepaid finance charges, including origination points, if applicable
- MIP is required on all FHA mortgages
- Applications are subject to credit approval
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
PHFA
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 5.750% | 0.000 | 6.415% | $5.84 |
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- Maximum loan size is dependent upon maximum purchase price and county being served
- APRs for the Keystone Home Loan Program are based on a 5% down payment for the purchase of a single-family dwelling to be occupied as the borrower's principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater. Program minimum credit score 660.
- APRs for the Preferred Risk Program are based on a loan amount of $125,000 with 3% down payment for the purchase of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- Additional assistance programs may be available.
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 60 days, and approximate prepaid finance charges, including origination points, if applicable
- Conventional First Time Homebuyer loans with a down payment of less than 20% will require mortgage insurance which could increase the monthly payment and Annual Percentage Rate (APR)
- Applications are subject to credit approval
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
Jumbo Mortgage ($832,751 - $2,000,000)
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 6.750% | 0.000 | 6.825% | $6.49 |
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| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 6.000% | 0.000 | 6.111% | $8.44 |
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- The above rates and down payment requirements are available for residential loans within Pennsylvania
- APRs are based on a loan amount of $832,751 with 20% down payment for the purchase or limited cash-out refinance of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- Rates may differ among borrowers based upon various factors, including the borrower’s credit score and the loan-to-value ratio
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 45 days, and approximate prepaid finance charges, including origination and discount points, if applicable
- Jumbo Mortgages are for loan amounts $832,751 to $2,000,000
- Ability to obtain loan amounts of up to $3,000,000 on a negotiated basis (loan amounts over $2,000,000 are dependent on investor limits, if salable, or Chief Lending Officer review, if portfolio)
- Jumbo loans with a down payment of less than 20% may require mortgage insurance which could increase the monthly payment and Annual Percentage Rate (APR)
- Applications are subject to credit approval
- Other APRs available for loans with similar terms and conditions
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
Lot Loans
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| 7.125% | 0.500 | 7.532% | $9.06 |
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- The above rates and down payment requirements are available for residential loans within Pennsylvania.
- APRs are based on a loan amount of $125,000 with 25% down payment for the purchase or limited cash-out refinance of a buildable lot for future owner occupancy. Payment does not include taxes and insurance. Actual payment obligation will be greater.
- Rates may differ among borrowers based upon various factors, including the borrower’s credit score and the loan-to-value ratio
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 60 days, and approximate prepaid finance charges, including origination and discount points, if applicable
- 25% minimum down payment required for all lot loans
- Loan amounts of up to $500,000
- Applications are subject to credit approval
- Other APRs available for loans with similar terms and conditions
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
USDA
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| Call for Rates | Call for Rates | Call for Rates | Call for Rates |
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- The above rates and down payment requirements are valid residential personal purpose loans for properties within a USDA eligible rural area in the Lehigh Valley, PA which include the counties of Lehigh, Northampton and surrounding areas.
- Please call for rates and down payment requirements for mortgage requests outside of these areas
- APRs for the USDA home loan program are based on a loan amount of $125,000 with 0% down payment for the purchase of a single-family dwelling to be occupied as the borrower's principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater. Loan amount includes financed 1% USDA Guarantee Fee
- Pennsylvania USDA home loan program requires no money down and offers 100% financing
- USDA home loans are not limited to rural areas only. If the community has less than 25,000 residents, it may be USDA eligible
- USDA Guarantee Fees are required on all loans
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 60 days, and approximate prepaid finance charges, including origination points, if applicable
- Applications are subject to credit approval
- Interest may be tax deductible; consult your tax advisor
- All loans require USDA annual fee, which could increase the Annual Percentage Rate (APR) and monthly payment
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply
VA Loans
| Interest Rate | Points | APR | Monthly Payment per $1,000 |
|---|---|---|---|
| Contact us for current rates | |||
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- The above rates and down payment requirements apply to properties located within Pennsylvania
- Principal and Interest (P & I) payments shown are based on a loan amount of $125,000 with 0% down payment for the purchase of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- Annual Percentage Rate (APR) includes Regular Military VA Funding Fee
- Programs also available for limited cash-out refinance of a single-family dwelling to be occupied as the borrower’s principal residence. Payment does not include taxes and insurance. Actual payment obligation will be greater
- Rates/payments may differ among borrowers based upon various factors, including the borrower’s credit score, loan-to-value ratio, First Time or Subsequent use of Entitlement, VA Funding Fee
- The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate lock for 45 days, and approximate prepaid finance charges, including origination and discount points, if applicable
- Loan amounts up to $832,750
- All Loans Require VA Funding Fee, which will increase the Annual Percentage Rate (APR)
- Applications are subject to credit approval
- Other APRs available for loans with similar terms and conditions
- Interest may be tax deductible; consult your tax advisor
- All rates, terms and conditions are subject to change at any time and may be withdrawn without notice. Other restrictions may apply