Home Purchase

PFFCU works exclusively for YOU! There are no high-pressure sales tactics, and the approval process is fast and easy.

Choose PFFCU for your Mortgage Loan and here’s why!

• You will enjoy the highest level of Service, Value, Convenience, and Trust.
• We survey everyone who gets a mortgage loan and 93% of members said PFFCU’s service was exceptional or superior.
• You will save money with PFFCU because there is no application fee and our closing fees are among the lowest in the area.
• We offer a pre-approved mortgage commitment that you can take to your realtor to demonstrate that you are a serious buyer. Our pre-approval will make your loan processing quicker so you can close your loan faster.
• Our experienced Mortgage Advisors provide personal guidance to help you get the loan that is right for you.

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If you prefer, you can call 215-931-0300 or 800-228-8801 and ask to speak to a Mortgage Advisor to apply by phone or to schedule a personal appointment.

Fixed-Rate Mortgages

Available with terms of 10, 15, 20 and 30 years, a fixed rate mortgage is right for you if you want a consistent monthly payment or you plan to stay in your home for a long period of time.
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Adjustable-Rate Mortgages

ARMs offer lower initial rates than fixed-rate mortgages, resulting in lower monthly payments that are especially attractive to first-time home buyers and home owners looking to buy a larger home. PFFCU offers adjustable-rate mortgages with 30-year terms where the initial APR and payment are fixed for the first 3, 5 or 7 years, then an adjustable rate, which may change annually.
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"No PMI" Mortgage

If you have less than a 20% down payment, consider this option as a cost-effective way to bypass Private Mortgage Insurance. You may enjoy lower monthly payments, as well as a tax deduction for the interest paid (check with your tax advisor for more details).
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If you already have an Agreement of Sale:

Your PFFCU Mortgage can close in 30 days or less!
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If you do not yet have an Agreement of Sale:

Contact PFFCU before you visit a real estate agent or begin shopping for a home and request your valuable PRE-APPROVED PFFCU MORTGAGE LOAN COMMITMENT.

Don’t be fooled by “free” mortgage pre-qualification offers from other lenders. Since they are only informal, unverified statements that you are “likely” to qualify for a mortgage, they carry little weight with sellers and agents, and no commitment on the part of the lender.

A Pre-Approved PFFCU Mortgage Loan Commitment gives you real advantages -

• It’s a more definite guarantee for a mortgage for a specific amount.
• It’s obtained through a thorough verification process, so there are no surprises down the road.
• It gives you greater negotiating power, indicating to sellers and agents that you are a serious buyer.
• Qualifies you for a $250 discount coupon that can be redeemed when you close your mortgage with PFFCU.

Before you contact anyone else, contact PFFCU. Our Mortgage Advisors will guide you through the process and help you choose the mortgage that meets your needs and saves you money.
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