Buying a home is one of life’s biggest milestones. 1st Ed Credit Union offers credit union mortgages across Pennsylvania with competitive rates, local decision-making, and personal guidance from prequalification through closing. As a member-owned credit union, we focus on what is right for you!
Buy Your Dream Home
Whether you’re buying your first home or want to refinance your existing mortgage loan, 1st Ed Credit Union offers a full line of Mortgage plans. Our loan professionals will be with you every step of the way. We’ll discuss your needs and budget, and determine a Mortgage just right for you.
See us before you go house-hunting. Terms range from 10 to 30 years and rates remain exceptionally low.
Click here 24 hours a day to start your application. You can also call 717-264-6506 (option 6) for a representative to take your application by phone.
Mortgage decisions made locally
- Competitive rates and low fees
- Low down payment on qualifying loans
- Convenient terms of 10 to 30 years
- No pre-payment penalties
Visit our Mortgage Resource Center
We’re here to help you get the home you love and keep things affordable.
Apply Online View ResourcesWhy Choose a Credit Union for Your Mortgage?
Credit union mortgage rates are often lower than big banks because we are not-for-profit and return value to members. You also get local service from a team that lives and works in the communities we serve, so you are never just a number.
How to Prequalify for a Home Loan
Prequalifying for a mortgage is a smart first step before you start house hunting. It estimates how much you may be able to borrow and shows sellers you are serious. To prequalify, we review your income, debts, and credit history. Contact our team to get started.
Purchase and Refinance Options
Whether you are buying your first home, moving up, or looking to refinance your current mortgage to lower your rate or payment, we offer options to fit your goals. Refinancing can help you save on interest, shorten your term, or tap your home’s equity.
Mortgage FAQs
We review your income, debts, and credit history to estimate how much you may be able to borrow. Prequalification is a smart first step because it shows sellers you are serious. Contact our mortgage team to start.
Many members choose a credit union because, as a not-for-profit, 1st Ed can often offer competitive rates and lower fees, with local decision-making and personal service from a team that knows Pennsylvania.
Yes. Refinancing can lower your rate or payment, shorten your term, or tap your home’s equity. Our team will help you compare options and decide whether refinancing makes sense for you.