ABA Routing and Transit Number # 236084298

CONVENTIONAL MORTGAGE

Let us help you purchase the home of your dreams

There’s never been a better time to finance – or refinance – a home with a conventional mortgage. Whether it's your first mortgage, you're looking to buy a vacation home, or interested in refinancing, PFCU can help you find the right home for you. Our mortgage professionals are ready to assist through the process, and are dedicated to affordably getting you the home of your dreams.

Competitive Rates, Low Down Payments, and Great terms

A Conventional Mortgage from PFCU also offers:

  • Qualification with as little as 5% down
  • Easy payment options
  • A consistent contact and personal service
  • Great terms and options for Conventional Mortgages
  • Financing in all 50 states 

First-Time Homebuyers

With competitive interest rates and monthly payments you can afford, a conventional mortgage with PFCU is a great way to buy your first home. With HomeAdvantageTM, we'll give you the tools to help you find a home that fits your needs and budget.
Fixed-Rate Mortgages

  • 10- to 30-year terms (in five-year increments) available on primary residence

Adjustable-Rate Mortgages

  • 30-year 5-1 adjustable available on primary residence
  • Initial fixed-rate period of five years, then adjusted each anniversary date

Vacation Property

  • 10- to 20-year terms (in five-year increments). 30-year term available if you plan to retire to the property purchased.

PFCU offers conventional first mortgages in all 50 states. If you are financing outside of our standard lending area of PA, NJ, DE, MD, or FL, please call a Mortgage Professional at 215-934-3505.

To find out how much you can afford for your next mortgage, visit our mortgage loan calculator.

Get pre-approved today

If you're just beginning to look for a house or wish to refinance, apply online* now and we may be able to pre-approve you for a mortgage. Not only does it remove one obstacle to negotiations, a pre-approval also helps you narrow down a practical price range.

Learn more

Call 215-934-3500 or 800-832-PFCU (outside the metropolitan area) to discuss your options and schedule an appointment.

*If you are applying for a pre-approval, purchase or refinance, an application deposit will be collected to cover the cost for the credit reports. This fee will be credited toward closing costs. We will accept your application online even if you are not currently a member. However, all borrowers on the application will be asked to qualify for membership. Prior to your loan closing, you will be asked to open a qualifying account. Residency restrictions apply. Conventional First Mortgages are issued in PA, NJ, DE, MD and FL only. Conventional First Mortgage rates quoted are for our standard programs. Cash out refinance transactions with LTV over 70% will be .75% higher than rates quoted. Paying off a home equity loan is considered cash out.

Equal Housing Opportunity logo

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Click here to view the full HUD Statement.

Buying a home?

Visit our Real Estate Center:

  • FREE Home Buyer Seminars: Learn about shopping for a home, negotiating prices, and home financing!
  • Realtors® you can trust:  Realtors® with a proven track record of honesty, fairness and results.  We've worked with them.  They should work for you.
  • Homeowners Insurance: Trust PFCU and our wide range of low cost policies, tailored to your needs. Renters insurance too.
  • And More...run the numbers and apply for Mortgages, Home Equity Loans and Refi's online.  

Visit PFCU's Real Estate Center today!