If you are looking to purchase a new home, we have the financing you need to turn the “For Sale” sign to “Sold.” With a fixed rate mortgage, there are no surprises or unexpected fluctuations; only stable monthly payments that fit your budget.


  • Fixed interest rate for life of the loan
  • Rate guaranteed for 60 days from application1
  • 90 day rate locks available2
  • Terms up to 30 years
  • Autopay credit applied at closing3

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.


Rate lock of up to 90 days is available on purchase transactions with a fee of 0.25% of loan amount.


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