Let’s talk about the benefits of an ARM. 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!


  • 3, 5, and 7 year fixed rate with adjustments annually thereafter
  • Terms up to 30 years
  • Rate guaranteed for 60 days from application1
  • 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.