Skip to the content
Home / Personal / Borrow / No Nonsense Mortgages / 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.

Our housewarming gift to you! Up to $1,200 off* mortgage closing costs.

Apply Now

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

The right time for a No-Nonsense fixed-rate mortgage? NOW.


Apply for a mortgage and lock in your interest rate and you will receive Lender Credits:

  • Up to $500 towards appraisal fee
  • Up to $300 towards application fee
  • Up to $400 towards processing fee
  • Savings total of up to $1,200

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.

More ways we can help you manage your money.

A full range of products, services and tools to help you with everyday financial life.


Your interest rate changes over time but that could be a benefit to you. Find out how.

Learn More

You could qualify for a grant to help you with closing costs.

Learn More

Quickly figure out just how much house you can afford.

Calculate your Payment


Processing and underwriting for People First Mortgages are provided through our partner, First Heritage Financial, LLC.

*Members who apply for a mortgage and lock in their interest rate will receive Lender Credits of up to $500 towards appraisal fee, up to $300 towards application fee, and up to $400 towards processing fee; Total of up to $1,200. 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. Loan to value cannot exceed 90%. Property insurance required. Membership eligibility required. Cannot be combined with any other promotional offers. People First Federal Credit Union NMLS# 510017.