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| Conventional Fixed Rates |
| PHFA Keystone Home Loan |
| PHFA Keystone PLUS / First-Time Homebuyer |
| PHFA Keystone Construction Home Loan |
| PHFA Keystone PLUS Construction / First-Time Homebuyer |
| Jumbo Fixed Rates |
| Don't see it? Just ask! Not all loan programs are listed. |
| Home Equity Loans / Fixed Rate |
| Land Loans / Fixed Rate |
| Ask us about our Home Equity Lines-of-Credit! |
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Conventional Fixed Rates
Highlights include:
- Must have at least 5% downpayment, plus closing costs.
- Available for home purchase or refinance.
- No charge for credit review.
- Fees for processing your loan may be required. Ask our lender for details.
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PHFA Keystone Home Loan
Highlights include:
- PA Housing Finance Agency (PHFA) qualifications apply. Ask our lender for details.
- Requires minimal downpayment, plus closing costs.
- Rate is fixed for the term of the loan.
- Need not be a first-time homebuyer.
- Available in Lycoming, Sullivan or Clinton counties, and portions of adjoining counties.
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PHFA Keystone PLUS / First-Time Homebuyer
Highlights include:
- Must meet PA Housing Finance Agency's definition of a family.
- Rate is fixed for the term of the loan.
- Adult occupants must be first-time homebuyers.
- Minimal downpayment required. May also qualify for Closing Cost / Downpayment Assistance up to $2,000.
- Available in Lycoming, Sullivan and Clinton counties, and portions of adjoining counties.
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PHFA Keystone Construction Home Loan
Highlights include:
- PA Housing Finance Agency (PHFA) qualifications apply. Ask our lender for details.
- Requires minimum downpayment, plus closing costs.
- Rate is fixed during both the construction and permanent loan phases.
- Standard 6-month construction phase applies.
- Need not be a first-time homebuyer.
- Available in Lycoming, Sullivan or Clinton counties, and portions of adjoining counties.
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PHFA Keystone PLUS Construction / First-Time Homebuyer
Highlights include:
- Must meet PA Housing Finance Agency's definition of a family.
- Rate is fixed during both the construction and permanent loan phases.
- Standard 6-month construction phase applies.
- Adult occupants must be first-time homebuyers.
- Minimal downpayment required. May also qualify for Closing Cost / Downpayment Assistance of up to $2,000.
- Available in Lycoming, Sullivan and Clinton counties, and portions of adjoining counties.
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Jumbo Fixed Rates
Highlights include:
- Must have at least 5% downpayment, plus closing costs.
- Available for home purchase or refinance.
- No charge for credit review.
- Fees for processing your loan may be required. Ask our lender for details.
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Don't see it? Just ask! Not all loan programs are listed.
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Home Equity Loans / Fixed Rate
Highlights include:
- $5,000 minimum loan amount.
- Requires at least 10% ownership equity.
- Quick turnaround.
- Rates based on term and automatic payment option. Ask our lender for details.
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Land Loans / Fixed Rate
Highlights include:
- $100,000 maximum loan amount.
- 35% downpayment required on raw, undeveloped land.
- 20% downpayment required on developed land (3+ amenities).
- Rates based on repayment term and automatic payment option.
- Fees for processing your loan may be required. Ask our lender for details.
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Ask us about our Home Equity Lines-of-Credit!
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
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