2415 Park Avenue
Easton, PA 18045
Phone: 610.253.1254
ESSA participates in the State Transition Reentry Incentive Validating Endeavors (STRIVE) Program in partnership with the Commonwealth of Pennsylvania Department of Corrections. This program is like the CARE & STAR programs which assist offenders in making a successful return to society. ESSA will provide STRIVE program participants and graduates with loans up to $15,000 for housing, education/training, or transportation. To be eligible for a loan, the participants must complete a Financial Literacy Program conducted by ESSA. The Financial Literacy Program is modeled after the FDIC’s Money Smart Program.
ESSA participates in the Supervision to Aid Re-Entry (STAR) Program in partnership with the U.S. District Court for the Eastern District of Pennsylvania. This program is like the CARE program, by assisting offenders in making a successful return to society. ESSA will provide STAR program participants and graduates with loans up to $15,000 for housing, education/training, or transportation. To be eligible for a loan, the participants must complete a Financial Literacy Program conducted by The Fox School of Business at Temple University.
ESSA participates in the Court Assisted Re-Entry (CARE) Program in partnership with the U.S. District Court for the Middle District of Pennsylvania. The CARE Program assists offenders in making a successful return to society. ESSA developed the CARE Loan Program that provides loans up to $15,000 to qualifying active CARE participants and CARE graduates for housing, education/training, or transportation. To be eligible for a loan, CARE participants must complete a Financial Literacy Program conducted by ESSA. The Financial Literacy Program is modeled after the FDIC’s Money Smart Program.
Our First-Time Homebuyers Program walks you through the entire process and provides many financial advantages, if you qualify.
Apply Online
Contact a Mortgage Professional
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.
*Program is available for homes located in Delaware, Lackawanna, Lehigh, Monroe, Northampton and portions of Chester and Luzerne counties. Must meet maximum household income limits based on median household income per county as established annually by HUD as well as bank definition of first-time homebuyer. Speak to an ESSA Mortgage Professional for further details.
1 Loan-to-value (LTV) greater than 80% requires PMI insurance. LTVs between 90-97% have reduced PMI coverage requirements versus standard mortgage loan products.
In case you do not feel comfortable submitting an application online, you can send your resume as well as salary requirements to our Human Resources Department at [email protected], or fax to 570.420.5196.
You can also send your resume through the mail to:
ESSA Bank & Trust
Human Resource Services
200 Palmer Street
P.O. Box L
Stroudsburg, PA 18360-0160
Telephone: 570.421.0531
The Board of Directors understands that ESSA Bank’s (ESSA’s) reputation for integrity and trust is determined by the conduct of its insiders. In order to protect that reputation, the Board has adopted this policy to ensure ESSA remains a trusted and viable entity in this community.
To provide the insiders of this Bank with the standards as to what is and what is not acceptable behavior with regards to conflict of interest. Additionally, the policy will establish a “Code of Ethics” for all insiders.
Set policy as to what constitutes a conflict of interest. Establish authority as to approval of exceptions to policy.
Establish the authority for the President to require all insiders to submit a statement attesting to their compliance with this policy each calendar year.
Establish the basic “Code of Ethics” to be employed by all insiders during the period for which he or she works for or represents the Bank.
Insiders must not advance their own personal or business interest, or those of others with whom they have a personal or business relationship, at the expense of the Bank. Insiders must, if they have an interest in a matter or transaction before the Board of Directors:
1. Disclose to the Board all material non-privileged information relevant to the Board’s decision on the matter or transaction, including
1. The existence, nature and extent of the insiders’ interest;
2. The facts known to the insider as to the matter or transaction under consideration.
2. Refrain from participating in the Board’s discussion of the matter or transaction, and,
3. Recuse themselves from voting on the matter or transaction (if the insider is a director).
Each executive officer or director and each of his or her related interest (as defined in Regulation O) is deemed to be an insider for the purpose of this policy.
Executive officers include division heads, COO & President/CEO.
A related interest is a company controlled by a person or a political campaign committee controlled by or benefiting a person. A person is generally deemed to be in control if he or she owns 25% of the controlled entity, or owns 10% and is an executive officer or director of the controlled entity.
This includes not only making loans, but also approving overdrafts, accepting checks on uncollected funds, waiving non-sufficient funds (NSF), overdraft, or late
charges, and waiving the requirement for financial statements or collateral documents.
The internal auditor is given the authority to audit all of the elements under this policy as to compliance thereof.
All transactions with insiders will be made on substantially the same terms as those afforded other ESSA customers to avoid the appearance of preferential treatment. Special attention will be paid by the Board to any potentially excessive salaries or bonuses, director’s fees, fees paid where there is no apparent benefit to the Bank, and fees paid for services not yet received.
No extension of credit shall be granted to any insider of the Bank on more favorable terms, such as a lower interest rate charged, and/or extended maturity than is available to the general public, or in the alternative, is widely available to all ESSA employees.
No deposits shall be accepted from any insider of the Bank on more favorable terms than to any other ESSA customer, including higher interest rates, or longer or shorter maturities.
If any fees or terms are found by the Board to be excessive, the Board shall take prompt corrective action, including requiring restitution to the Bank, to remedy the situation.
The Bank will not purchase any goods or services from a company in which a director has a related interest.
Insiders should not represent the Bank in any transaction where he or she has a material connection or a financial interest.
(Examples of material connections include relatives or close personal friends – whether the transaction involves them as individuals or as principals in a firm doing business with the bank. An example of a financial interest is an insider’s involvement as a proprietor, partner, or joint venture in a firm doing business with the Bank.)
An insider should not accept a directorship of another corporation without the approval of ESSA’s Board of Directors. Charitable and nonprofit organizations are exceptions to this general requirement.
The President/CEO is prohibited from any affiliation with a political campaign committee.
Any insider making investments on behalf of the Bank is prohibited from taking advantage of the special circumstances associated with this duty. Specifically, an insider is prohibited from buying securities for his or her own account through dealers from which he or she buys securities for the Bank’s account. The insider is also prohibited from accepting gifts, entertainment, free travel, and so forth from a securities dealer or from employees who work for a securities firm (except as outlined below in section 4 of this policy). If the insider is ever approached with a deal that would benefit him or her personally, he or she must immediately report the circumstances to the President and the Chairman of the Board and stop placing investment orders through that firm.
In the course of performing bank duties, insiders acquire confidential information considered to be extremely sensitive by customers.
This information must not be revealed to unauthorized persons, nor should customers’ finances be discussed with others within the bank unless their duties require the information. Information about customers can be released only when authorized by the customer or subpoenaed by a court or the Internal Revenue Service (IRS), and then the information released must be accurate and within the confines of the authorizing document.
No insider of the Bank shall use any inside information to improperly profit for their own benefit. The Board shall make the final determination on any questionable insider information-related transactions made by an insider.
Any actual or potential conflict of interest regarding insiders shall be promptly disclosed to the Board for consideration, whether
intended or unintended.
Each insider will sign the “Statement on Conflict of Interest and Code of Ethics” form annually in the month of October.
Each investment officer will sign the “Investment Officer Code of Conduct Statement” form.
No insider of ESSA shall solicit anything of value from anyone in return for any business service or confidential information of the Bank. No insider of ESSA shall accept anything of value other than bona fide salary, wages, fees, or other compensation paid in the usual course of business from anyone in connection with the business of the Bank, either before or after a transaction is discussed or consummated.
Exceptions to this requirement include items offered based on a family or personal relationship, independent of any business of ESSA, the benefit is available to the general public under the same conditions, or the item would be paid for by the Bank as a reasonable business expense if it were not paid for by another party. Advertising materials, gifts relating to commonly recognized events, and certain awards also qualify as exceptions to this provision. Any ESSA insider who is offered or receives anything of value beyond what is authorized in this exception must disclose that fact to the Board.
Acceptance of Gifts: Bank officers may accept small gifts or other items of value from business associates of the bank, as long as all such acceptances are properly disclosed and the dollar value is considered nominal. Gifts valued up to $50 may be accepted without prior approval. Gifts exceeding $50 must receive the approval of the Board of Directors before acceptance. Insiders may accept the following types of items from individuals doing or seeking to do business with ESSA:
Meals, gratuities, amenities, or favors based on obvious family or personal relationships.
Meals, refreshments, travel arrangements, accommodations, or entertainment of reasonable value in the course of a meeting or other bona fide business occasion.
Loans from other financial institutions when made on customary terms for the purpose of financing proper and usual activities. It is the responsibility of the insider accepting the loan to ensure that the loan is not contingent upon ESSA accepting or offering any other service. The insider must also ensure that any loan from a correspondent of ESSA is made on an arm’s length basis and does not include any preferential terms.
Advertising or promotional material of reasonable value (pens, note pads, calendars, etc.).
Discounts or rebates on merchandise or services that are available to other similar customers.
Gifts of reasonable value related to commonly recognized events or occasions such as promotion, wedding, retirement, holiday, etc.
Civic, charitable, educational, or religious organizational awards for recognition of service and accomplishments.
Other benefits or items of value, when approved, in writing, on a case-by-case basis.
An insider may not make use of ESSA’s facilities for their own benefit, real or personal property, or personnel.
The Bank’s loans to any insider shall be made on terms no more favorable than those available at the same time to non-insiders for comparable transactions. They will carry no more than a normal risk of failure to repay, and have no unfavorable features.
If a loan to an insider exceeds the higher of $25,000 or 5% of the Bank’s unimpaired capital and surplus, the extension of credit must be approved in advance by a majority of the entire Board. The interested party will abstain from participating directly or indirectly in the voting. This abstention will be noted in the Board’s minutes. Prior approval of the Board must be obtained for any size loan if the aggregate amount of credit exceeds $500,000.
ESSA will make no loan to any insider or related interest that exceeds the regulatory aggregate lending limit of the Bank.
Any extension of credit by the Bank to an insider or related interest must be preceded by the submission of a detailed current financial statement to the Board. Any loan thus made to an executive officer shall be subject to the condition that the extension of credit shall become due and payable on demand at any time that the officer is indebted to an other bank(s) in an aggregate amount greater than the specified limit for the Bank.
Any overdraft being paid by ESSA on behalf of its executive officers and/or directors on an account at the Bank will be made in accordance with a written, pre-authorized interest-bearing extension of credit plan that specifies a method of repayment, or in accordance with a written, pre-authorized transfer of funds from another account of the account holder at the Bank. In the alternative, any such overdraft must be inadvertent, aggregating $1,000 or less, and remain outstanding for less than five days. The insider will be charged the same fee charged for any other customer of the Bank in similar circumstances.
Record keeping of insider transactions shall be as follows: records shall identify all executive officers, directors and their related interest, and the amount and terms of each extension of credit from ESSA to the person and their related interest. Records of publicly requested disclosures of information shall also be maintained. All records listed here shall be kept on file for a minimum of three years.
ESSA will establish a system to administer and monitor compliance with this policy. This system will ensure that all insiders are trained, kept aware of, and provided with interpretive advice and assistance in dealing with insider issues. The President/CEO is charged with the responsibility of soliciting the “Statement on Comprehensive Insider Code of Ethics and Conflict of Interest” on an annual basis from all insiders. This system will annually require the Compliance Officer to collect the “Statement on Comprehensive Insider Code of Ethics and Conflict of Interest” forms. These forms will be maintained at that office.
Failure to comply with this policy may result in the termination of employment. The action taken will be commensurate with the seriousness of the conduct and an evaluation of the situation. All violations of this policy will be brought to the attention of the board of directors. Termination of employment may be determined by an officer who is the direct or indirect supervisor of the employee concerned.
Founded in 1916, ESSA was established when Mr. John Gish founded the East Stroudsburg Building & Loan Bank in East Stroudsburg, PA. A number of strategic mergers during the early years resulted in a name change to East Stroudsburg Savings Association. As a result, by 1971, assets had grown to $20 million dollars.
As ESSA grew, so did our branch network. Between 1971 and 2004 ESSA added numerous branches throughout Monroe County. ESSA also was excited to form the ESSA Foundation, a 501(c)3 organization.
As a traditional thrift institution at that time, the bank added a spectrum of other banking and investment services. In 2006, ESSA underwent its third name change. The new name ESSA Bank & Trust more accurately reflected the banking institution they had become.
Since growth and serving more people remained at the center of ESSA’s goals, the leadership determined the best way to fuel that growth would be to convert from a mutual bank to a publicly owned entity. In 2006, ESSA Bancorp, Inc., the holding company for ESSA Bank & Trust, received regulatory approval to complete its conversion.
The bank’s assets reached $1 Billion in 2009. Rapid branch growth followed as multiple branches were added and the bank expanded in the Lehigh Valley market. The bank also added ESSA Advisory Services during that time. A strategic merger and acquisition allowed ESSA to expand its Lehigh Valley footprint by adding nine branches. After the acquisition assets reached $1.5 billion.
Between 2014 and 2015, ESSA made additional acquisitions which allowed the bank to grow into several new markets including Philadelphia and the Wilkes-Barre Scranton areas.
On July 23, 2025, ESSA Bank & Trust, whereby ESSA’s network of 20 branches and ATMs, merged with CNB Bank. Following this merger the bank now operates as ESSA Bank, a division of CNB Bank and brings the total asset size of CNB Bank to $8.0 billion.
If you have any questions, you can fill out our online contact us form, give us a call, or stop by one of our branches to speak with a customer service representative.
Are you ready to get started?
Contact us by email, give us a call, or visit any of our branch locations during normal business hours to learn more about finding the right lending solution for you.
On the many highways of running a business, you occasionally hit some speed bumps when it comes to cash management. With our ACH Origination service, you will be able to move money, pay employees, and electronically pay/collect bills with the push of a few buttons. Increase efficiency and accuracy while reducing costs. Say goodbye to the red lights and hello to the possibilities!
As a leading member of a nonprofit, you carry a tremendous responsibility to balance the mission of your organization with its fiduciary goals. This often includes the structure and management of your investment portfolio. That’s where we can be of great help.
ESSA has helped tax-exempt organizations maximize returns, mitigate risks, and create highly customized portfolio solutions that include an appropriate asset allocation strategy. Our expert advisors will help foster healthy growth and the responsible management of your financial resources.
Specially designed for non-profit institutions such as churches, colleges and universities, fire companies, and other 501(c) organizations seeking professional and customized management of an endowment portfolio. We serve as trustees or as investment managers, providing advice in the design of the trust agreement and working closely with you to understand its particular financial objectives.
Generally funded by donations, these accounts are designed to support your charitable institution.
Disclosures:
Products offered by Asset Management & Trust: ·Not FDIC insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.
The information in this website is for US residents only.
Each time you change jobs, or when you retire, you may be left wondering what to do with the money in your retirement plan. Adding to your concerns are taxes, inflation and the threat of dwindling Social Security benefits. All can have a significant impact on your retirement, so it’s important for you to make informed decisions. That’s where we can help.
When you own multiple accounts – including 401(k)s, 403(b)s, and other retirement plans – from former employers, you may be able to transfer most of those retirement assets into an IRA for easier management. Our Trust Officers are prepared to help you understand your options, along with the advantages and disadvantages of each.
Key reasons for consolidating retirement accounts include:
Disclosures:
Products offered by Asset Management & Trust: ·Not FDIC insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.
The information in this website is for US residents only.
Through volunteerism, ESSA employees play a large part in improving the communities in which they work and live. From senior management to entry-level staff, ESSA employees dedicate their time and talents to local charities through board service, leadership roles, committee memberships, team participation, and fundraising efforts.
Each year employees volunteer with a large number of local and regional organizations. In total, we’ve accounted for thousands of hours in volunteer efforts. It is through dedicated service that our employees demonstrate their value to the bank, its customers, and the community at large.
ESSA Bank & Trust has a long history of charitable giving. In 1998, W. “Jack” Wallie, John E. Burrus, and Richard E. Talbot worked together to create the East Stroudsburg Savings Association Foundation. The Foundation was formed to solidify our belief “in returning to the community a portion of the profits to improve the quality of life.” This philanthropic initiative provided nearly $2 million to the Pocono region for the benefit of health-related programs, arts, education, parks and recreation, and housing.
Today, the ESSA Bank & Trust Foundation, established in 2007, continues the bank’s support of 501©3 organizations in our area and has awarded grants totaling more than $17.5 million to regional entities. As of 2024, the Foundation accepts requests from eligible organizations headquartered within Monroe County on a quarterly basis only, with award size limited to $10,000 per application. Our primary areas of interest remain community health, housing-related programs, education, arts, and parks and recreation.
If you are interested in obtaining information regarding our Foundation’s gifting guidelines and application process, please write to ESSA Bank & Trust Foundation, 200 Palmer Street, P.O. Box L, Stroudsburg, PA, 18360, to the attention of Stephanie Lefferson. You may also choose to send an email to [email protected] or call 570.422.0182.
Charitable Trusts are a time-honored way to minimize taxes, preserve your legacy, and provide you with income while positively contributing to society. If you have charitable interests, allow us to discuss the various options and tailor a plan that is right for you.
Finding a branch | Exploring Estate Planning | Contacting a Trust Officer
Disclosures:
Products offered by Asset Management & Trust: ·Not FDIC insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.
The information in this website is for US residents only.
Courts appoint guardians to manage the assets of incapacitated individuals. Our Trust Officers have the special training and experience to administer these complex arrangements. As guardians, we invest the assets properly, file inventories and reports with the court in a timely manner, and make sure that expenditures are appropriately made.
Finding a Branch | Exploring Estate Planning | Contacting a Trust Officer
Disclosures:
Products offered by Asset Management & Trust: ·Not FDIC insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.
The information in this website is for US residents only.
Special needs trusts provide financial management for disabled individuals without affecting their ability to qualify for government benefits such as Social Security and Medicaid. Funding of these trusts can come from an immediate transfer of assets, transfer by will from an estate, life insurance proceeds, or the disabled person’s own assets.
Finding a Branch | Exploring Estate Planning | Contacting a Trust Officer
Disclosures:
Products offered by Asset Management & Trust: ·Not FDIC insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.
The information in this website is for US residents only.
Testamentary trusts are usually included in your will and take effect upon your death. These trusts are used by parents of adult children who need asset protection and by parents of minor children to delay or control the flow of inheritance. Married couples often use testamentary trusts for tax planning purposes and to provide professional financial management for a surviving spouse.
Finding a branch | Exploring Estate Planning | Contacting a Trust Officer
Disclosures:
Products offered by Asset Management & Trust: ·Not FDIC insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.
The information in this website is for US residents only.
Revocable living trusts are a popular way to streamline personal finances and gain the benefits of professional management. These trusts allow your personal trustee to consolidate investments into one comprehensive account, maintain financial records of investments and expenses, handle bill payments, prepare taxes, and resolve issues with medical insurance and Medicare.
Finding a Branch | Exploring Estate Planning | Contacting a Trust Officer
Disclosures:
Products offered by Asset Management & Trust: ·Not FDIC insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.
The information in this website is for US residents only.
To protect your account, we monitor your debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when your U.S. – issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent use, we will send a text notification to the cell phone on file for you to validate the transaction(s). If you do not respond to the text message(s), we may call you. Your participation in responding to our text or call is critical to prevent potential risk and avoid restrictions that we may place on the use of your card.
Our automated text or call will ask you to verify recent transaction activity on your card, which you will be able to do via your touch-tone keypad. If you prefer not to use the automated call system, take note of your case # and then call our fraud center at 877.253.8964.
Additionally, foreign transactions may be restricted due to the high risk of potential fraud. Fraud risks are monitored on a daily basis and countries are blocked accordingly. Please contact your local branch or our customer support at 855.713.8001 for more information.
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.
To protect your account, we monitor your debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when your U.S. – issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent use, we will send a text notification to the cell phone on file for you to validate the transaction(s). If you do not respond to the text message(s), we may call you. Your participation in responding to our text or call is critical to prevent potential risk and avoid restrictions that we may place on the use of your card.
Our automated text or call will ask you to verify recent transaction activity on your card, which you will be able to do via your touch-tone keypad. If you prefer not to use the automated call system, take note of your case # and then call our fraud center at 833.735.1894.
Additionally, foreign transactions may be restricted due to the high risk of potential fraud. Fraud risks are monitored on a daily basis and countries are blocked accordingly. Please contact your local branch or our customer support at 855.713.8001 for more information.
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.
Those renovations you’ve been waiting to do can now be easier to accomplish with an ESSA Rehab Loan. You can refinance your existing mortgage to pay for your home improvements. Or, use this loan to purchase a home that can benefit from repairs.
Apply Online
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
Some conditions and restrictions may apply. Speak to a Mortgage Professional for more details.
1 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
2 Is initiated when the borrower authorizes automatic payment from an ESSA checking account.
Our loan converts from a construction mortgage to a permanent mortgage upon completion of construction with no change in rate and no fees for conversion; saving you both time and money!
Apply Online
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
1 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
2 Is initiated when borrower authorizes automatic payment from an ESSA checking account.
If you are looking to purchase property for the future site of a primary or secondary home, a Lot Loan is the perfect lending solution for you.
Contact a Mortgage Professional
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.
1 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
All of these are synonyms for the word “rapid.” Why is that important for you to know? Because with our Rapid Refi, you can save some serious cash and quickly, when you refinance your primary or secondary home.
Apply Online
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
1 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
2 Is initiated when borrower authorizes automatic payment from an ESSA checking account.
We look forward to helping your investment property1 dreams become a reality.
Apply Online
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
1 Investment Property is defined as a 1-4 family non-owner occupied property.
2 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive the application fees within 15 calendar days of the application date.
The distance from your current home to your new home is just a hop, skip and a bridge loan away. If you have sold your existing home, and awaiting closing, you could use its equity to serve as a down payment on your new home. Go ahead, you can raise the roof!
Contact a Mortgage Professional
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
1All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
1 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
2 Is initiated when borrower authorizes automatic payment from an ESSA checking account.
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
1 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
2 Rate lock of up to 90 days is available on purchase transactions with a fee of 0.25% of the loan amount.
3 Is initiated when the borrower authorizes automatic payment from an ESSA checking account.
No, not the two you have on your body, an Adjustable Rate Mortgage (ARM)! If you are looking to purchase a home, this mortgage may offer a lower initial rate which means lower monthly payments. That also means savings for you!
Apply Online
For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.
1 All loans are subject to credit approval. ESSA Bank guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.
2 Is initiated when borrower authorizes automatic payment from an ESSA checking account.
