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real estate loans

"NO FEE" Mortgages*

Let us pay the appraisal fee, application fee, flood certification fee, etc.  NE PA will pay these fees for a value to our members of approximately $1,000.00. Another great benefit of being a credit union member.

Home Equity Loans

Need a loan? Just ask your house! With a Home Equity Loan, you'll get the cash you need. Plus the interest you pay on a Home Equity Loan usually is tax-deductible (consult your tax advisor). It's the next best thing to a no-interest loan: 

Home Equity Line of Credit

  • Loan stays open for 7 years with final repayment 10 years after last advance
  • Take advances as needed
  • Pay interest only on the amount borrowed
  • Great for ongoing expenses - home improvement projects, educational costs, and more

Home Equity Fixed Rate Loan

  • Interest rate does not change for the life of the loan
  • Full amount of loan is disbursed at closing
  • Repayment options are 5 or 7 years
  • Great for a home improvement project or refinancing debt 

It is important to understand your options when it comes to Home Equity Loans. Call a loan officer for more details or to set up your appointment at (570) 421-5585 option #2. 

Mortgage Loans

If you're ready for your first home, or you're ready to move up to a bigger home, see us first. We have various mortgage options including 5, 10, 15, 20, and 30 year fixed-rate mortgages available up to $650,000.

Refinancing Options

If you currently have a mortgage with another institution, talk to us. With our refinancing options you could lower your monthly payments and save instantly. Just contact one of our loan officers at (570) 421-5585 option #2.

 *The No Fees Mortgage Program applies to fixed-rate first mortgages and fixed-rate second mortgages.  New and refinanced mortgages must contain at least $25,000 in new money.  A $400 appraisal fee is due at the time of application; however, the appraisal fee will be reimbursed at closing.  If the appraisal is performed and the loan does not close for any reason, the $400 appraisal fee will not be reimbursed.  Title insurance is required and member is responsible for its full cost.  If the borrower is not a member, a $1 fee is required to join the Credit Union.  Ask an NE PA Community FCU staff member for complete details.