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Help Me Decide

When it comes to home financing, there are many different options to choose from. How do you find the loan that's best for you? Here is some information to help you compare our offerings.

Home Mortgage Options

Mortgage Loan Type

Key Features

Key Benefits

Adjustable Rate Mortgage (ARM)

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  • Lower initial fixed rate
  • After the initial fixed interest rate period, the interest rate can vary
  • Ideal if you plan to be in the house for three to five years
  • Ideal if your you expect your income to increase in the future

Fixed Rate Mortgage

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  • The monthly principal and interest payments remain the same throughout the life of the loan
  • The longer the term of your fixed rate mortgage, the lower your monthly payments will be
  • The shorter the term of your fixed rate mortgage will allow you to repay the loan faster and save more on interest costs, though your monthly payment will be higher
  • You don't have to worry about your mortgage payments increasing during the life of the loan

First Home Club Account

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  • This account allows you to take advantage of a match
  • Must save systematically on a monthly basis for 10-24 months
  • Deposit up to $2,500 and get a 4x match of those funds, up to a max of $7,500

Construction End Loan

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  • Permanent, long term rate-locked loan used to pay off the construction costs associated with building a new home
  • The end loan pays off the costs of the project once the home is completed
  • Builder finances the construction project with their own funds
  • You don't pay for the costs of construction until the house is completed

Construction Draw Loan

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  • Finances the building of the home
  • During the draw period the lender makes payments to the builder as the stages of the home are completed
  • Upon completion of the end of the draw period (6 months on USDA loans and 9 months on all others), the borrower will pay full principal and interest payments
  • If the borrower has escrow for private mortgage insurance, taxes, or insurance, this will also be required during the entire loan.
  • You only have to make interest-only payments during the draw period on the disbursed funds
  • Payments are made directly to the builder from the lender

FHA Fixed Rate Loan

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  • Insured by the Federal Housing Administration
  • Borrowers must pay for mortgage insurance
  • Can finance up to 97% of the home
  • Lower fixed interest rates
  • More flexible qualification requirements

State Housing Programs

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PA Customers

NYS Customers

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  • HFA Preferred Risk Sharing (PA)
  • HFA Preferred Loan (PA)
  • SONYMA's Achieving the Dream Mortgage Program (NYS)
  • SONYMA's Low Interest Rate Program (NYS)
  • Ideal for low-moderate income families
  • Lower down payments
  • Lower interest rates

Home Equity Line of Credit

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  • Secured by a primary or junior lien on your home
  • Up to 80% LTV
  • During your draw period, borrow funds at a variable interest rates, repay them and borrow again
  • Can be utilized as a revolving source of funds for your ongoing needs
  • Minimum of $10,000
  • Maximum of $250,000
Mortgage Rates

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What Can I Afford?

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Mortgage Process

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