Home Purchase Mortgage

When you select PFFCU as your mortgage lender, you can Trust that you’ve selected the partner who is looking out for you!

Receive $500 off Home Purchase Closing Costs through October 31, 2019!1

Home Purchase Mortgage

When you start looking for a home, contact PFFCU for a pre-approved Mortgage Loan Commitment. Experience the highest level of service as our knowledgeable Mortgage Advisors provide personal guidance to help you select the best low rate mortgage option to fit your needs. Our Mortgage Advisors do not work on commission so there are never any high-pressure sales tactics.

  • Great, low rates.
  • No application fee.
  • Convenient digital mortgage process—send, receive, and sign documents electronically to make the process faster & easier.
  • Close your loan faster by getting a PFFCU pre-approved Mortgage Loan Commitment.
  • PFFCU specializes in the local PA, NJ, and DE real estate market.
  • Local Loan Center and Call Center.
  • PFFCU maintains the servicing of your loan throughout the lifetime of the loan.
  • Recently named Best Mortgage Lender—Bucks County Courier Times & Burlington County Times.
  • PFFCU has been a trusted mortgage lender since 1938.

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If you prefer, call 267-332-3400 and ask to speak to a Mortgage Advisor.


Get additional Closing Cost Savings with HomeAdvantage®

Now partnered with HomeAdvantage®, PFFCU makes the home buying process even easier for you. Buy or sell your home with a HomeAdvantage® real estate agent and get an additional reward at closing.2 Plus, access MLS listings, save searches, and get alerts all in one convenient location. For example, if you buy a $275,000 home with a HomeAdvantage® agent, you would get a cash reward of $1,650. Then add in the $500 Off Home Purchase Closing Costs1 for a total of $2,150!

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Get up to $5,000 toward Down Payment and Closing Costs on Your First Home.

PFFCU offers First Front Door (FFD), a grant program for first time home buyers that provides up to $5,000 toward down payment and closing costs. Through the FFD program, funded by FHLBank of Pittsburgh, for every $1 you contribute, you can receive $3 in grant assistance.

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Fixed-Rate Mortgages

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

Adjustable-Rate Mortgages (ARMs)

Low initial rates and fixed payments for the first 5 or 7 years and may vary thereafter. A good option for first time home buyers or homeowners looking to buy a larger home. All PFFCU ARMs have 30-year terms.

“No PMI” Mortgage

If you have less than a 20% down payment, this option is a cost-effective way to avoid Private Mortgage Insurance. Enjoy a lower monthly payment, and a tax deduction for the interest paid (check with your tax advisor for details).

First Time Home Buyer Mortgage

First time home buyers who can't afford a large down payment, but would otherwise qualify for a mortgage, can buy with only a 3% down payment.

HomeReady® Mortgage3

Borrowers with limited household incomes and good credit can buy with only a 3% down payment. Members may enjoy lower rates & reduced PMI payments.

Non-Owner Occupied Mortgage

Minimum loan amount of $100,000. We offer a 15 or 30-year fixed rate Conventional Purchase Mortgage.

If you already have an Agreement of Sale

Trust your PFFCU mortgage lending team to handle your new home purchase with a fast and efficient process to give you peace of mind through closing.

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If you do not have an Agreement of Sale
  • Request your PFFCU Mortgage Pre-Approval before you visit a real estate agent, begin shopping for a new home or speak with any other financial institution or lender.
  • Our expert Mortgage Advisors will guide you through the process and help you choose the mortgage that best meets your needs.
  • PFFCU Mortgage Pre-approval qualifies you for a $500 credit toward PFFCU closing costs for a new home mortgage.

After you fill out our online worksheet, we will call you within 1-2 business days. We can provide you with your pre-approval within as little as three hours after we contact you, so you can start looking for your dream home sooner.

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1. $500 off closing costs available for first mortgage purchase transactions only; refinances do not qualify. First mortgage purchase products are available for loans up to $1 Million. This offer is not available on investment property loans. The offer applies to loans with a completed application date between January 1, 2019 through June 30, 2019, and closing date on or before October 31, 2019. The $500 closing cost credit cannot exceed the actual amount of closing costs (after deducting any applicable seller credits) and prepaid interest and escrow reserves. The discount will be applied at closing as a lender credit and reflected on the Closing Disclosure. Offer is subject to credit approval and underwriting and is subject to change without notice. No other PFFCU Mortgage discounts apply. Contact us for details.
2. HomeAdvantage® program is made available to you through a relationship between PFFCU and CU Realty Services. Program Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Program Rewards if they use an agent outside this network. Using PFFCU for a mortgage is not a requirement to earn Program Rewards. Program Rewards amount is dependent on the commission paid to the agent. PFFCU may have specific rules on how your Program Rewards will be paid out. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage® program include: DE, PA, and NJ. HomeAdvantage® is a registered trademark of CU Realty Services, LLC.3. HomeReady® is a Fannie Mae mortgage product.



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