FIXED-RATE MORTGAGES
If you’re looking for a low fixed-rate mortgage, we have the terms and benefits to help you buy the house of your dreams.
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Enjoy a mortgage payment that won’t get higher.
Staying the same might be right for you.
A fixed-rate mortgage keeps your interest rate the same over the life of your loan. So whatever your first mortgage payment is, the last one will be the same. Other costs like taxes and homeowner’s insurance can change so what you owe each month can go up or down. But the actual mortgage payment remains fixed. This type of mortgage is ideal if you:
- Want to increase the loan amount you can qualify for
- Want the security of knowing that your mortgage payment will stay the same
- Plan to stay in your home for at least ten years
- Don’t expect your income to increase significantly in the next few years
Hometown Heroes Mortgage Program*
We appreciate and honor those who are on the front lines in our communities. That’s why we are offering a special loan promotion exclusively for you! As our Hometown Heroes, you can enjoy the following benefits:
- Additional .25% off the rate.
- $1000 towards closing costs OR rate buy down.
- This incredible offer is available for properties located in Pennsylvania, New Jersey, Ohio, West Virginia, and People First may consider additional properties outside of these states1.
This exclusive offer is available to:
- First Responders: Police, EMTs, and Firefighters
- Teachers and Education Staff (including support and admin roles)
- Medical Professionals (including support and admin staff)
- Police and Law Enforcement agencies (public not private)
We value your service and want to show our appreciation by providing you with these exceptional benefits.
FIXED-RATE MORTGAGES
Fixed-Rate Mortgages
| Term | Rates As Low As | Points | APR* As Low As |
|---|---|---|---|
| 10 Year | 6.500% | 0 | 6.401% |
| 15 Year | 6.500% | 0 | 6.358% |
| 20 Year | 6.500% | 0 | 6.336% |
| 30 Year | 6.750% | 0 | 6.315% |
*APR denotes Annual Percentage Rate. Rates reflect the best rates available today. Not everyone that applies will qualify for the rates shown. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. Conforming Loan amounts from $50,000 to $726,200.
FHA/VA MORTGAGES
FHA Rate Mortgages
| Term | Rates As Low As | Points | APR* As Low As |
|---|---|---|---|
| 15 Year1 | 5.500% | 2.650 | 7.081% |
| 30 Year2 | 6.500% | 0 | 7.315% |
| 203k 30 Year3 | 6.500% | 0 | 7.315% |
*APR denotes Annual Percentage Rate. Rates reflect the best rates available today. Not everyone that applies will qualify for the rates shown. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. 1Greater than $175,000 and Less than or Equal to $200,000. 2Greater than $200,000 and Less than or Equal to $225,000. 3Greater than $200,000 and Less than or Equal to $225,000.
Apply in minutes.
There’s only one quick form standing between you and a pre-approved mortgage.
Apply Online and get pre-approved for your mortgage in less than 2 business days.
Call to make an appointment at 610.797.7440 extension 612.
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Disclosures
Processing and underwriting for People First Mortgages are provided through our partner, First Heritage Financial, LLC. Property must be a 1-4 family primary residence. Loans subject to credit approval and collateral conditions. Loan to value cannot exceed 90%. Property insurance required. Membership eligibility required. People First Federal Credit Union NMLS# 510017.
*Hometown Heroes promotional program is available to qualifying first responders and employee support staff only. Qualified Members who apply for a mortgage and lock in their interest rate will receive a discounted rate of up to .25% from the qualified rate, and Lender Credits of up to $1000. Rates cannot be locked on purchase loans until you have a signed sales contract on a specific property. All other standard fees will apply. Offer may end at any time. Offer on conventional mortgage applications only. Property must be a 1-4 family primary residence. Loans subject to credit approval and collateral conditions. Property insurance required. Private mortgage insurance required over 80% loan to value. Membership eligibility required. See People First Federal Credit Union or First Heritage Financial, LLC. for further details on eligibility for the Hometown Heroes promotion. Cannot be combined with any other promotional offers. People First Federal Credit Union NMLS# 510017.
1Properties in other states may qualify, please contact People First for further information.