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 those of big banks because we are not-for-profit and return value to our 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. From your first question to your final signature, you work with people who know Pennsylvania.
How to Prequalify for a Home Loan
Prequalification is a smart first step before you start house hunting. It gives you an estimate of how much you may be able to borrow and shows sellers you are a serious buyer. To prequalify, we look at your income, debts, and credit history. Contact our team to get started, and we will help you understand your budget and next steps.
Purchase and Refinance Options
Whether you are buying your first home, moving up, or refinancing your current mortgage to lower your rate or monthly payment, we offer options to fit your goals. Refinancing can help you save on interest, shorten your term, or tap your home’s equity. Our team will help you compare the possibilities.
Serving Homebuyers Across South Central Pennsylvania
1st Ed Credit Union serves homebuyers through branches in Chambersburg, Greencastle, and Hanover, with a field of membership spanning Adams, Cumberland, Franklin, Fulton, and York Counties. Wherever you are buying in the area, you can count on local guidance every step of the way.
Equal Housing Opportunity. All loans subject to approval.
Mortgage FAQs
Prequalification gives you an estimate of how much you may be able to borrow and shows sellers you are a serious buyer. We look at your income, debts, and credit history. Contact our team to get started and we will walk you through your budget and next steps.
Credit union mortgage rates are often lower than a bank’s because we are not-for-profit and return earnings to members. You also work with a local team that makes decisions here in South Central Pennsylvania, not at a call center in another state.
Yes. Refinancing can help you lower your rate or monthly payment, shorten your term, or tap your home’s equity. Contact our mortgage team and we will help you compare the options that fit your goals.