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Home Mortgages & Refinance

Financing your next "Here We Grow" moment.

Whether you’re purchasing your first home or refinancing your current mortgage, think of Penn Community Bank first. Our experienced team of home mortgage lenders will work closely with you to define your needs and evaluate the wide variety of home mortgages to find the one that will best fit your needs.

Residential mortgage financing today is flexible. Even if you think owning your own home might be out of reach, our seasoned mortgage lenders can work with you to put you on the path to home ownership.

We offer a variety of home mortgage loan types to suit a wide array of financial situations.

In addition to conventional mortgages, we also offer:

  • Adjustable-Rate Mortgages
  • Jumbo Mortgages
  • Federal Housing Administration (FHA)
  • U.S. Department of Agriculture (USDA)
  • First Time Home Buyer Programs
  • Veterans Affairs (VA)

 View Rates  Apply Now  Borrower Portal 

Fixed-Rate Mortgages

A fixed-rate mortgage loan is one of the most common mortgage loans available. It offers several advantages for the borrower, including the peace of mind of a fixed interest rate for the life of the loan.

A fixed-rate mortgage can be used to buy a primary residence or an investment property. It is offered in a variety of loan terms to meet a range of borrowing needs.


  • Fast, local decision-making
  • 10-year, 15-year, 20-year or 30-year terms
  • Rate is locked for entire loan term
  • No prepayment penalty
  • Purchase a primary residence or invest in a second home

 View Rates  Apply Now  Borrower Portal 

Adjustable-Rate Mortgages

An adjustable-rate mortgage (ARM) is one in which the interest rate changes periodically. Penn Community Bank offers ARMs that lock in the initial interest rate for 3 years, 5 years, 7 years, or 10 years. After the initial fixed-rate period, the rate will adjust up or down based on a standard, industry-recognized interest rate benchmark.

Rate adjustment caps protect the borrower from unpredictable increases by limiting how much your interest rate could increase or decrease.


  • Fast, local decision-making
  • 15-year and 30-year terms
  • Interest rate fixed for initial period
  • Available in 3-year, 5-year, 7-year, or 10-year initial rate locks
  • Caps offer protection against unlimited rate increases
  • No prepayment penalty

 View Rates  Apply Now  Borrower Portal 

Bi-Weekly Mortgages

With a bi-weekly mortgage, payments are automatically deducted from your Penn Community Bank checking account every 14 days, allowing you to build equity in your home faster.

Like a fixed-rate mortgage loan, a bi-weekly mortgage features an interest rate that is consistent for the life of the loan. It can be used to purchase or refinance a primary home, and it requires no additional fees.


  • Fast, local decision-making
  • Convenient, automatic payments
  • Interest rate fixed for life of loan
  • Builds equity faster
  • No prepayment penalty

 View Rates  Apply Now  Borrower Portal 


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