Home Mortgages

A real estate purchase is one of the most important financial decisions you will ever make and the process can be overwhelming. Trust PFFCU’s knowledgeable and experienced Mortgage Advisors to help you find the mortgage that is right for you.

Unlike many lenders, PFFCU does not work with mortgage brokers, who are often financially motivated to steer customers into higher risk loans. Mortgage brokers get paid more money if they can talk a borrower into a higher rate loan.

PFFCU mortgage advisors do not work on commission and are motivated to find a mortgage that best meets your needs, with the lowest possible rate. PFFCU works for you for the entire term of your loan. We maintain the servicing of your mortgage and charge no prepayment penalties.

Choose PFFCU for your real estate financing. Our great rates will help you maximize your buying potential. Since there is no application fee, you’ll pay less out-of-pocket expenses. You’ll enjoy superior member service, too, along with a fast, hassle-free approval process and no high-pressure sales tactics. Click here to learn how you can save thousands of dollars on your mortgage and title insurance. With a great variety of fixed and adjustable rate mortgage options, you’re sure to find the perfect loan to meet your needs at PFFCU.

With every PFFCU mortgage, you'll enjoy the benefits of:

• Great low rates
• A single Lender Fee of just $250
• Exceptional service from the people you trust

If you already have an Agreement of Sale:
Apply Now and your PFFCU mortgage can close in 30 days or less.

It's easy to apply for a PFFCU Mortgage. Call 800/228-8801 or 215/931-0300 and ask to speak with a Mortgage Advisor to apply by phone or to schedule a personal appointment. Or you can apply online.

If you do not yet have an Agreement of Sale
PFFCU's Mortgage Advisors will guide you through the process from start to finish.  Apply for a PFFCU Mortgage now, before you visit a realtor or begin shopping for a home.

Don’t be fooled by “free” mortgage pre-qualification offers from other lenders. They provide only informal, unverified statements that you are “likely” to qualify for a mortgage. They carry little weight with sellers and agents and no commitment on the part of the lender. A PRE-APPROVED PFFCU MORTGAGE LOAN COMMITMENT gives you a more definite guarantee for a mortgage for a specific amount. It is obtained through a thorough verification process so there are no surprises down the road. With your PFFCU Mortgage Loan Commitment, you’ll gain greater negotiating power, indicating to sellers and agents that you are a serious buyer. In addition, when you obtain a Pre-approved PFFCU Mortgage Loan Commitment, you will receive a coupon for $100 that can be redeemed after you purchase your home and close your mortgage with PFFCU.

Fixed-Rate Mortgages
PFFCU has fixed-rate mortgages available with terms of 10, 15, 20, and 30 years. Choose a longer term for a lower payment or a shorter term for a lower interest rate. A fixed-rate mortgage is right for you if you want a constant monthly payment or you plan to stay in your home for a long period of time.  Apply Now»

Adjustable Rate Mortgages
ARMs offer lower interest rates than a fixed rate mortgage. This provides lower monthly payments that are especially attractive to first time home buyers and home owners looking to buy a larger home. PFFCU's ARM loans have the initial interest rate and payment fixed for the first 3, 5, 7 or 10 years, with terms up to 30 years.     Apply Now»

"No PMI" Mortgage
This mortgage offers members with less than a 20% down payment a cost effective way to bypass Private Mortgage Insurance. You may experience lower monthly payments, and may also receive a tax deduction for the interest paid on both the first and second mortgages. Check with your tax advisor.