Mortgage Loans

Turn your home dreams into reality.

We’ll Be There With You Through Every Step of the Way

Our local and knowledgeable mortgage experts will help guide you step by step through the process so you can focus on the excitement of purchasing your new home.

Your Mortgage Options at a Glance

Choose from a variety of mortgages to get started.

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Conventional Mortgage

Secure a low fixed rate and a stable monthly mortgage payment for 10-30 years. Plus, finance up to 97% of your home’s appraised value.

Coupe moving into a home

Federal Housing Administration (FHA) Insured Mortgage

First time home buyer? We’ve got you covered with a more flexible lenient qualification process than most other conventional loans.

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USDA Mortgage

No down payment? No problem. Secure 100% financing if your property is located in select counties in Pennsylvania and Maryland. Plus, include your insurance costs in your loan.

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Veterans Administration (VA) Guaranteed Mortgage

As a veteran, you may qualify for a home loan with no money down and a competitive rate for the life of your loan.

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Maryland Mortgage Program

Maryland residents may qualify for financial incentives, down payment and closing cost assistance and more.

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Home Purchase Assistance Loan

With first-mortgage financing, you may qualify for interest-free loans to help cover your down payment and/or your closing costs.

row of townhouses

Investment Mortgages

Available for rental properties for a one to four family unit. To learn more, contact a mortgage officer directly at 717-709-2580 or 240-850-7012. You can also email us at

Our Members Love Us!

Thank you again for the information we received from you in the short time we gave you! I appreciate you and your personable attitude during this time of hardship for my grandparents! Keep up that good work!

— Tatjana S., Chambersburg

Meet our Mortgage Team

Our mortgage consultants use local underwriting and an easy application process. They are also available after business hours on weekends to answer any urgent queries.

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Michael L. Stouffer

Mortgage Consultant

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  • Equal Housing Lender

    Equal Housing Lender