With us, there's no need to apply for separate construction and permanent mortgages when building a home.  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!


  • Pre-qualify to determine an affordable price range for your land/home purchase
  • Construction period of 9 months with interest-only billed monthly
  • Rate guaranteed for 90 days from application1
  • Both adjustable rate and fixed rate mortgages available
  • Flexibility to choose your own builder
  • Construction inspections and draw payouts performed in a timely manner
  • Use the equity in a lot you already own towards your down payment
  • Autopay credit applied at closing2

 For a timely response you must direct all billing inquiries and requests for information on your loan to:  ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.


All loans are subject to credit approval.  ESSA Bank & Trust 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.


Is initiated when borrower authorizes automatic payment from an ESSA checking account.