Conventional Mortgage

Choice of fixed-rate and adjustable-rate loans

Mortgage lengths from 10 to 30 years

Money-saving refinancing options available

We're here to help you find the right loan for your home.

Our conventional mortgages come with exceptional service.

From Capes and Colonials to modern townhouses and vintage Victorians, there's a perfect home out there for every buyer. The same goes for conventional mortgage types. We offer a variety of fixed-rate and adjustable-rate loans - our experienced team can explain the details and guide you to a great choice.

  • In most places, loans of $766,500 or less are considered to be conventional mortgages. The dollar amount may be higher in more expensive areas.
  • Low closing costs (see our video on this page)
  • Competitive rates can save you thousands in interest charges over the long run
  • Easy pre-approval process allows you to focus your house-hunting on properties in your price range
  • Personal service from a friendly lending team throughout the application process

Mortgage Options

  • Fixed-Rate Mortgages: Monthly payments stay steady over the life of the loan, making long-range budgeting easier. Loans for primary residences come in a variety of lengths - 10, 15, 20, 25 and 30 years.  
  • Adjustable-Rate Mortgages: Lock in a lower rate for the first 5 or 7 years. After that, rates may be adjusted every six months. The total loan length is 30 years.
  • Vacation Property Loans: Most of these mortgages last 10 or 20 years. There's a 30-year term available if you plan to retire to the property.

Mortgage Options

  • Fixed-Rate Mortgages: Monthly payments stay steady over the life of the loan, making long-range budgeting easier. Loans for primary residences come in a variety of lengths - 10, 15, 20, 25 and 30 years.  
  • Adjustable-Rate Mortgages: Lock in a lower rate for the first 5 or 7 years. After that, rates may be adjusted every six months. The total loan length is 30 years.
  • Vacation Property Loans: Most of these mortgages last 10 or 20 years. There's a 30-year term available if you plan to retire to the property.

Mortgage Refinancing

Even if you're not on the move, it's a good idea to see if there are financial advantages to replacing your current mortgage. Our mortgage professionals can review your options and find the best fit for your home loan refinance. Refinancing could:

  • Reduce your interest rate, saving you money with each monthly payment
  • Increase your loan length, reducing your monthly payment
  • Reduce your loan length, allowing you to build equity and eliminate debt more quickly 
  • Allow you to borrow more than you owe on your home, giving you cash for remodeling, major purchases and other financial needs

Mortgage Refinancing

Even if you're not on the move, it's a good idea to see if there are financial advantages to replacing your current mortgage. Our mortgage professionals can review your options and find the best fit for your home loan refinance. Refinancing could:

  • Reduce your interest rate, saving you money with each monthly payment
  • Increase your loan length, reducing your monthly payment
  • Reduce your loan length, allowing you to build equity and eliminate debt more quickly 
  • Allow you to borrow more than you owe on your home, giving you cash for remodeling, major purchases and other financial needs

Mortgage Settlement Assistance Program

Up to $2,000 may be offered to first-time homebuyers purchasing a single-family primary residence in Philadelphia or Bloomsburg, PA (Columbia County).

  • This program applies to conventional first mortgage loans only (no FHA loans) and eligibility and household maximum income requirements do apply. 
  • The maximum Philadelphia household income is $105,400; for Bloomsburg (Columbia County), the maximum household income is $74,000. 
  • Household incomes above these amounts are not eligible for this program.

Mortgage Settlement Assistance Program

Up to $2,000 may be offered to first-time homebuyers purchasing a single-family primary residence in Philadelphia or Bloomsburg, PA (Columbia County).

  • This program applies to conventional first mortgage loans only (no FHA loans) and eligibility and household maximum income requirements do apply. 
  • The maximum Philadelphia household income is $105,400; for Bloomsburg (Columbia County), the maximum household income is $74,000. 
  • Household incomes above these amounts are not eligible for this program.
THE PRICE IS RIGHT

Competitive interest rates and budget-friendly monthly payments make conventional mortgages an affordable way to buy a first home, finance a vacation home or refinance your current loan.

Learn About Closing Costs

Closing costs are the fees and other charges you're required to pay upfront to obtain a mortgage. Watch this video to learn how to calculate the amount you'll need.

TOOLS TO GET YOU AHEAD

How to Prepare Financially before your First Mortgage

Are you considering buying your first home? Before you dive into the world of mortgages and homeownership, ensure your finances are in order.

Read More about How to Prepare Financially before your First Mortgage
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