Getting a Mortgage is Easier than You Might Think With our Mortgage Programs

Our team will be there for you like a trusted friend. From start to finish we'll give you expert advice and walk you through the entire process. Wherever you are in the home-loan experience, we're ready to help.

Make an appointment with one of our Mortgage Specialists today by calling 814.456.6231 ext. 193, or get your Mortgage application started now!


NEW: 3% Down Homebuyer Program

This is a great program for borrowers with good credit and income, but not a lot of cash!

Features include:

  • Minimum 3% down
  • Fixed interest rate for 30 years
  • No upfront mortgage insurance
  • Monthly PMI at low credit union rates
  • Seller assistance up to 3% of purchase price
  • In some cases all funds may be from a qualified gift
Payment Example:  For a purchase price of $125,000; loan amount $121,250 with a fixed interest rate of 4.250% and Annual Percentage Rate (APR) of 4.843%, the monthly payment would be $673.27 which includes $596.48 for principal and interest and $76.79 for private mortgage insurance (PMI). Additional amount for real estate taxes and insurance escrow will be added to this amount and vary depending on the property. Interest rates are subject to change at any time. Subject to credit approval and additional underwriting criteria. Equal Housing Lender.


We specialize in:

Fixed-Rate Mortgages

A fixed-rate mortgage is one of the most popular mortgages and has a fixed interest rate for the entire term of the loan. With a fixed-rate mortgage, homeowners will not have to contend with varying loan payment amounts that fluctuate with interest rate changes.

Adjustable Rate Mortgages

An adjustable-rate mortgage is a loan in which the interest rate periodically adjusts. The adjustment is based on an index which reflects the cost to the lender of borrowing on the credit markets.

Conventional Loans

Simply put, a conventional mortgage loan is a mortgage loan that is not a government loan, like FHA or VA. 


If you feel you are paying too much in interest, want to pay off your mortgage sooner or need cash for home improvements, college or debt consolidation, then a refinance might be the perfect option for you. 

Jumbo Loans

A jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders.

FHA, PHFA, USDA & VA Mortgages

An FHA loan is a government insured loan. The insurance isn't like your homeowner's insurance. It is an insurance policy that protects the lender when there isn't much equity in the home. FHA is a great option when you have less than perfect credit and/or not a lot of cash for down-payment and closing. 

The Pennsylvania Housing Finance Agency works to provide affordable homeownership. PHFA offers a number of opportunities for Pennsylvania families to buy homes of their own. Qualification factors vary among programs and, in some cases, from county-to-county.

A USDA loan , also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture. 

A VA loan is a mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA). This loan is designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

Renovation Programs

Your Credit Union offers a renovation program:

  • FHA 203k is a government insured program to purchase and fix up a home that needs a little help.

This program requires work to be completed by a licensed general contractor.

Construction/Permanent Loans

Contact us at 814.456.6231 ext 193 for more information and to receive a no strings attached free estimate.


Current Mortgage Rates:

View current Mortgage Rates.