Mortgages
Welcome Home
Ready to make a move? With PFFCU, you’ll have a financial partner who’s looking out for you.
Get StartedFind the Right Home Loan for You
Overview
This traditional home loan product is perfect for financing your forever home.
- Available in 10-, 15-, 20-, and 30-year terms
- Allows you to lock in a competitive interest rate
- Fixed monthly payments to make budgeting easy
- $395 cash rebate6
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedRates are effective as of July 13, 2025 and are subject to change.
| Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
|---|---|---|---|---|
| 10-Year Fixed1 3 | 0.000% | 5.875% | 5.960% | |
| 0.375% | 5.750% | 5.918% | ||
| 0.750% | 5.625% | 5.876% | ||
| 1.125% | 5.500% | 5.834% | ||
| 1.500% | 5.375% | 5.792% | ||
| 15-Year Fixed1 3 | 0.000% | 5.875% | 5.935% | |
| 0.375% | 5.750% | 5.868% | ||
| 0.750% | 5.625% | 5.802% | ||
| 1.125% | 5.500% | 5.735% | ||
| 1.500% | 5.375% | 5.668% | ||
| 15-Year Fixed Jumbo2 3 | 0.000% | 5.875% | 5.891% | |
| 0.375% | 5.750% | 5.824% | ||
| 0.750% | 5.625% | 5.758% | ||
| 1.125% | 5.500% | 5.691% | ||
| 1.500% | 5.375% | 5.624% | ||
| 20-Year Fixed1 2 3 | 0.000% | 6.250% | 6.299% | |
| 0.375% | 6.125% | 6.221% | ||
| 0.750% | 6.000% | 6.143% | ||
| 1.125% | 5.875% | 6.064% | ||
| 1.500% | 5.750% | 5.986% | ||
| 30-Year Fixed1 2 3 | -0.120% | 6.750% | 6.788% | |
| 0.235% | 6.625% | 6.686% |
Overview
First-time homebuyer? Looking for a larger home? Consider this flexible option.
- 30-year term
- Offers lower initial interest rates for the first 5 or 7 years
- A smart strategy if you’re planning to move within a few years
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedRates are effective as of July 13, 2025 and are subject to change.
| Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
|---|---|---|---|---|
| 5/30 ARM1 3 | 0.000% | 5.875% | 6.663% | |
| 0.375% | 5.750% | 6.649% | ||
| 0.750% | 5.625% | 6.636% | ||
| 1.125% | 5.500% | 6.623% | ||
| 1.500% | 5.375% | 6.610% | ||
| 7/30 ARM1 3 | 0.000% | 5.990% | 6.574% | |
| 0.375% | 5.875% | 6.552% | ||
| 0.750% | 5.750% | 6.524% | ||
| 1.125% | 5.625% | 6.496% | ||
| 1.500% | 5.500% | 6.468% | ||
| 7/30 ARM Jumbo2 3 | 0.000% | 5.990% | 6.548% | |
| 0.375% | 5.875% | 6.525% | ||
| 0.750% | 5.750% | 6.497% | ||
| 1.125% | 5.625% | 6.469% | ||
| 1.500% | 5.500% | 6.442% |
Overview
This option is a Fannie Mae mortgage product for borrowers with limited household income and good credit.
- Buy with a down payment as low as 3%
- Gives you access to lower interest rates
- May allow for reduced private mortgage insurance (PMI) payments
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedOverview
This borrowing option is ideal for starting or growing your real estate portfolio.
- Loan amounts as low as $100,000
- Lock in a competitive fixed rate for 15 or 30 years
- An option for investors in Pennsylvania, New Jersey, and Delaware8
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedRates are effective as of July 13, 2025 and are subject to change.
| Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
|---|---|---|---|---|
| 15-Year Fixed Rate Non-Owner Occupied2 3 4 5 | -0.085% | 6.625% | 6.694% | |
| 0.205% | 6.500% | 6.602% | ||
| 30-Year Fixed Rate Non-Owner Occupied2 3 4 5 | -0.457% | 7.000% | 7.044% | |
| 0.030% | 6.875% | 6.921% |
Find the Right Home Loan for You
Overview
This traditional home loan product is perfect for financing your forever home.
- Available in 10-, 15-, 20-, and 30-year terms
- Allows you to lock in a competitive interest rate
- Fixed monthly payments to make budgeting easy
- $395 cash rebate6
| Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
|---|---|---|---|---|
| 10-Year Fixed1 3 | 0.000% | 5.875% | 5.960% | |
| 0.375% | 5.750% | 5.918% | ||
| 0.750% | 5.625% | 5.876% | ||
| 1.125% | 5.500% | 5.834% | ||
| 1.500% | 5.375% | 5.792% | ||
| 15-Year Fixed1 3 | 0.000% | 5.875% | 5.935% | |
| 0.375% | 5.750% | 5.868% | ||
| 0.750% | 5.625% | 5.802% | ||
| 1.125% | 5.500% | 5.735% | ||
| 1.500% | 5.375% | 5.668% | ||
| 15-Year Fixed Jumbo2 3 | 0.000% | 5.875% | 5.891% | |
| 0.375% | 5.750% | 5.824% | ||
| 0.750% | 5.625% | 5.758% | ||
| 1.125% | 5.500% | 5.691% | ||
| 1.500% | 5.375% | 5.624% | ||
| 20-Year Fixed1 2 3 | 0.000% | 6.250% | 6.299% | |
| 0.375% | 6.125% | 6.221% | ||
| 0.750% | 6.000% | 6.143% | ||
| 1.125% | 5.875% | 6.064% | ||
| 1.500% | 5.750% | 5.986% | ||
| 30-Year Fixed1 2 3 | -0.120% | 6.750% | 6.788% | |
| 0.235% | 6.625% | 6.686% |
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedOverview
First-time homebuyer? Looking for a larger home? Consider this flexible option.
- 30-year term
- Offers lower initial interest rates for the first 5 or 7 years
- A smart strategy if you’re planning to move within a few years
| Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
|---|---|---|---|---|
| 5/30 ARM1 3 | 0.000% | 5.875% | 6.663% | |
| 0.375% | 5.750% | 6.649% | ||
| 0.750% | 5.625% | 6.636% | ||
| 1.125% | 5.500% | 6.623% | ||
| 1.500% | 5.375% | 6.610% | ||
| 7/30 ARM1 3 | 0.000% | 5.990% | 6.574% | |
| 0.375% | 5.875% | 6.552% | ||
| 0.750% | 5.750% | 6.524% | ||
| 1.125% | 5.625% | 6.496% | ||
| 1.500% | 5.500% | 6.468% | ||
| 7/30 ARM Jumbo2 3 | 0.000% | 5.990% | 6.548% | |
| 0.375% | 5.875% | 6.525% | ||
| 0.750% | 5.750% | 6.497% | ||
| 1.125% | 5.625% | 6.469% | ||
| 1.500% | 5.500% | 6.442% |
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedOverview
This option is a Fannie Mae mortgage product for borrowers with limited household income and good credit.
- Buy with a down payment as low as 3%
- Gives you access to lower interest rates
- May allow for reduced private mortgage insurance (PMI) payments
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedOverview
This borrowing option is ideal for starting or growing your real estate portfolio.
- Loan amounts as low as $100,000
- Lock in a competitive fixed rate for 15 or 30 years
- An option for investors in Pennsylvania, New Jersey, and Delaware8
| Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
|---|---|---|---|---|
| 15-Year Fixed Rate Non-Owner Occupied2 3 4 5 | -0.085% | 6.625% | 6.694% | |
| 0.205% | 6.500% | 6.602% | ||
| 30-Year Fixed Rate Non-Owner Occupied2 3 4 5 | -0.457% | 7.000% | 7.044% | |
| 0.030% | 6.875% | 6.921% |
Get Started Today
The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.
Get StartedRates are effective as of July 13, 2025 and are subject to change.
How Much House Can You Afford?
ADDED SAVINGS
Enjoy Additional Savings With HomeAdvantage®
PFFCU along with HomeAdvantage makes homebuying even easier and more affordable. Access MLS listings, save searches, and get alerts, all in one convenient location. Plus, when you use a HomeAdvantage real estate agent, you’ll get 20% of your agent’s commission.9 PFFCU members have earned over $600,000 in cash rewards since the start of this program.
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HOME INSURANCE
Protect Your Biggest Asset With TruStageTM
Your home is your biggest investment, so you want to make sure it’s covered inside and out. But top coverage doesn’t have to come at a top cost. Designed for credit union members like you, the TruStage Auto and Homeowners Insurance Program offers discounted rates along with online convenience and 24/7 claims service.10 Plus, it’s underwritten by Liberty Mutual, one of the biggest providers in America, so the result is a policy you can have confidence in.
Learn More
FAQS
Be in the Know
We’re Ready to Lend a Hand
Our knowledgeable Mortgage Advisors can help you select the right option for your needs and goals. Call us at 267.332.3400.
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