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We are here to help you every step of the way!

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions

Let's Get You Home

When it comes to Home Mortgage Loans, HFCU has you covered. Whether financing or refinancing, we can help.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms and financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • Conventional Loans
    • Construction Loans
  • Helpful loan advisors can assist with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Local decision-making and processing in South Central Pennsylvania


Important COVID-19 Pandemic Information


Mortgage Affordability Calculator

Mortgage Type Activity

Mortgage Calculator


Visit our new HOME LOAN CENTER for an easy application process!



NMLS Information

First Time Homebuyer Program - Home Possible

A responsible, low down payment loan for first-time homebuyers and low and moderate income borrowers. 

Key Features:

  • The minimum 3% down payment can be gifted - does not have to come from borrowers funds
  • No reserve requirement
  • Reduced mortgage insurance requirements
  • No FICO indicator score/LTV adjustment for credit scores above 680. Program delivery fee of a maximum of 1.50 pts for credit scores from 620 to 679.

Program Requirements:

  • Minimum FICO 620 (or as determined by LP)
  • Minimum down payment 3% - can be a gift
  • Free Homeownership Education
  • Consent to permit non-profit third party homeownership counseling if mortgage payments become delinquent

Loan Details:

  • Primary Residence
  • Fixed Rate
  • Single family, condominiums and PUD's
  • 97% LTV
  • 43% debt-to-income ratio or as determined by LP
  • The borrowers' annual income cannot exceed 80% of the area median income limits
  • Non-occupying borrowers are permitted


Visit our new HOME LOAN CENTER for an easy application process!


* First Time Homebuyer is an individual who is purchasing the mortgaged premises, will reside in the mortgaged premises as a Primary Residence, had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the mortgaged premises. In addition, a displaced homemaker or a single parent may also be considered a First-Time Homebuyer if the individual had no ownership interest in a residential property during the preceding three-year period other than an ownership interest in the marital residence with a spouse. If a displaced homemaker or a single parent solely owned the marital residence, or solely or jointly owned a second home or investment property, the individual may not be considered a First-Time Homebuyer.

Mortgage Refinance Program

Refinance your current home to potentially lower your rate!

In many cases, homeowners refinance to take advantage of lower market interest rates, cash out a portion of their equity, or to reduce their monthly payment with a longer repayment term.

There are many reasons to refinance:

  • If you’re looking to pay off your loan quicker with a shorter term.
  • If you want to convert a variable loan rate to a fixed, and obtain a lower interest rate.
  • You want to refinance your home into a loan without mortgage insurance.
  • You’re looking to utilize a cash-out refinance.


Visit our new HOME LOAN CENTER for an easy application process!