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.


  • Repayment Terms up to 30 years
  • Appraisal completed subject to improvements
  • Rate guaranteed for 60 days from application1
  • $100 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.

Some conditions and restrictions may apply.  Speak to a Mortgage Professional for more details.


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.