Conventional Mortgages

With competitive interest rates and affordable monthly payments, these mortgages are a great way to buy a first home or even finance a second. Or a third! And with HomeAdvantageTM, you can rest assured knowing that we’ll provide you the tools you need to find a home that fits your budget.

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.

We offer a number of conventional first mortgages, including:

Fixed-Rate Mortgages

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

Adjustable-Rate Mortgages

30-year 5-1 adjustable loans available on primary residence.  (The initial fixed-rate period is five years is adjusted each year on the loan anniversary date).

Vacation Property loans

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

We offer 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.

Compare your Options

Conventional Mortgage

FHA Mortgage

Down Payment


Must have available funds.


All of the funds can be a gift from a family member

Minimum Credit Score

Varies by loan program

Varies by loan program


Rates are determined by the lender based on guidelines/credit criteria.

Rates are determined by the lender based on guidelines/credit criteria.

Mortgage Insurance

Private Mortgage Insurance is required with less than 20% down.

Upfront mortgage insurance premium can be added into the loan + monthly mortgage insurance premium.


Can be primary, investment, or secondary residence

Primary residence only

Sellers Assistance

Seller can assist with closing cost up to 6%.

Seller can assist with closing cost up to 6%.

Property Locations

In all 50 states

PA, NJ, DE, & MD


10 - 30 years (5 year increments)

Up to 30 years

Loan Limits

Up to $417,000

Loan limits vary based on # of units, county, etc.

Products Offered

Fixed Conventional & 5/1 ARM (Adjustable Rate Mortgage)

Fixed & ARM Programs

Want to talk to someone?

Call our Mortgage Department at 215-934-3505 to talk with a PFCU Mortgage Professional.

Want to apply?

Call 215-934-3500 or 800-832-PFCU 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. 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.