Dreaming of your own home — or stepping up to something bigger?

Dreaming of your own home — or stepping up to something bigger?

Buying a home is an incredibly important financial decision and a highly personal one. The last thing you need to worry about is getting a fair deal on the financing. Turn to the mortgage professionals at ESSA. We’ll work with you at every step and ensure you choose the right loan — and payments you can afford.

Fixed-Rate Mortgages

A low fixed rate means your payment never changes so that you can budget easily — choose from terms of 10, 15, 20, or 30 years. When you apply, your rate is guaranteed 60 days from application.1

Adjustable-Rate Mortgages (ARMs)

If you’re looking for the lowest payment possible, an ARM may offer you a lower initial rate. It remains fixed for 3, 5, or 7 years — with annual adjustments thereafter. Like our other mortgages, your initial rate is guaranteed 60 days from application.1

All the options you need:

Pre-qualification and pre-approval process

As you start your home search, a pre-qualification can help determine the purchase price, monthly payment, or type of home you can afford. It also saves time and gives you confidence. Once you have selected a home, a pre-approval provides you with an approval for a specific loan amount.  To secure a pre-approval, a mortgage underwriter will obtain your credit score, verify documentation, and review your home loan application.

Rapid Refinances

If you’re in a home you already love, we can still help. Consider refinancing at rates that remain at near-historic lows. You can lower your rate and monthly payment.

Visit our Mortgage Center.

ESSA’s Mortgage Center offers a wealth of information, resources to help you learn about the mortgage process, plus a convenient online application. Once you apply, our mortgage professionals will ensure a worry-free experience.




1 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.