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Major decisions made easy
Buying a new home should be a pleasant experience. We would like to help you every step of the way by making the loan process easy.
We’d like to help make it that way by taking the worry out of applying for a mortgage. That’s why we would like you to take our Home BuyAbility Test. It will help you find out how much home is right for you, so you can feel more comfortable when you apply for your mortgage loan with us.
Once you know approximately how much home is in your price range, use the guide below or our convenient mortgage calculators to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes, insurance and mortgage life insurance are also not included on the chart, but may be added to your monthly payments.
Home Purchase Loan options include:
Owner occupied and non-owner occupied
These loan options are both available with different interest rate structures:
Fixed Rate Loans have a fixed interest rate for the life of the loan. This allows for easy budgeting because the payment is always the same. Various fixed terms are available from 10 to 30 years.
Our Special Hometown Loan Program may be right for you. We offer a fixed rate loan for low/moderate income or census tract applicants, for the purpose of purchasing a home. These loans require a relatively small down payment and offer a below-market interest rate. The paperwork involved is no different than a conventional loan so these loans can be approved in no time at all. We even pick up a portion of your closing costs!
Adjustable Rate Loans usually have a lower start rate than fixed mortgage loans. You will know how much the rate can adjust over the life of the loan and the maximum amount you would have to pay in the future. If you think you will only be in the house for a few years or feel that interest rates may go down, then this may be the loan for you.
Contact one of our loan specialists to discuss your options today:
| PENNSYLVANIA | ||||
| NMLS# | Loan Specialist | Phone Number | Location(s) | |
| 615325 | Lisa Baverso | (412) 856-0354 | Murrysville and Monroeville Offices | |
| 462615 | Lois McFarlane | (412) 856-0356 x232 | Ligonier Office | |
| 615131 | Carolyn Tlumack | (724) 834-2060 | Greensburg Office | |
| 615132 | Alina Mehalic | (724) 547-7515 | Mt. Pleasant Office | |
| 615135 | China Pulido | (724) 547-0886 | Walmart (Mt. Pleasant) Office | |
|
508968
|
Cindy Knaus | (724) 238-6655 | Ligonier Office | |
| 615141 | Joy Carpenter | (814) 842-3294 | Hyndman Office | |
| MARYLAND | |||||
| NMLS# | Loan Specialist | Phone Number | Location(s) | ||
| 615143 | Rob Lewis | (301) 729-3738 | LaVale Office | ||
| 615136 | Melissa Leydig | (301) 722-5770 | Cumberland Office | ||
| CORPORATE | |||||
| NMLS# | Loan Specialist | Phone Number | Location(s) | ||
| 458211 | Jane Flaherty | (412) 856-0358 | All Areas | ||
| Monthly Mortgage Payment Guide | ||||||
| Mortgage Amount |
4% APR |
5% APR |
6% APR |
7% APR |
8% APR |
|
| $ 60,000 | $ 286 | $ 322 | $ 360 | $ 399 | $ 440 | |
| $ 80,000 | $ 382 | $ 429 | $ 480 | $ 532 | $ 587 | |
| $ 100,000 | $ 477 | $ 537 | $ 600 | $ 665 | $ 734 | |
| $ 120,000 | $ 573 | $ 644 | $ 719 | $ 798 | $ 881 | |
| $ 140,000 | $ 668 | $ 751 | $ 839 | $ 931 | $ 1,028 | |
| $ 160,000 | $ 764 | $ 859 | $ 959 | $ 1,064 | $ 1,174 | |
| $ 180,000 | $ 859 | $ 966 | $ 1,079 | $ 1,198 | $ 1,321 | |
| $ 200,000 | $ 955 | $ 1,074 | $ 1,199 | $ 1,331 | $ 1,468 | |
The above rates are for illustrative purposes only. They are based on the Annual Percentage Rate (APR) indicated for principal and simple interest with a term of 30 years. We offer a variety of mortgage plans.
Is Refinancing Right For You?
Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage. Also, whether you apply with us for a new mortgage to buy the home you want or to refinance your present mortgage, ask about a Homeowner’s Credit Line. It can help you save on fees when you apply, interest when you want to borrow money and on taxes at the end of the year. Request more information or speak to one of our mortgage loan experts for details.
