30-Year Mortgage Wyomissing, PA
When you need a 30-year mortgage with competitive low rates, consider Bellco FCU in Wyomissing and Sinking Spring, PA. Our passion is helping you achieve your goals.
Bellco FCU is a member-owned, not-for-profit federal credit union that caters exclusively to you and your needs and offers a variety of affordable financial services. We have all the convenient products and services that most big banks have, but unlike these banks, we put you, our member, first over profits.
At Bellco FCU, we have made it a top priority to give each and every member the personalized attention they deserve when looking for an affordable home mortgage.
Keep Your Payments Manageable with a 30-Year Mortgage
The 30-year mortgage is the most popular fixed rate home loan option in the country. It enables the borrower to lock in an interest rate for the entire 30-year term, and the monthly principal and interest payments stay the same throughout the life of the loan.
This predictability makes it easier for you to plan your budget because you’ll know exactly what your mortgage payment will be every single month. It’s a great choice if you plan to live in your home for a long time and can be an excellent decision if you think interest rates may rise over the next several years.
Bellco FCU also offers a variety of home loan options with different terms and qualifications, such as 15-year fixed-rate mortgages, adjustable-rate mortgages, VA mortgages, FHA home loans, USDA mortgages, jumbo mortgages, and more.
Our mortgage specialists have the mortgage tools, information, and expertise to help you find a home loan program that is tailored to fit your individual needs. Our goal is to make your home loan experience surprisingly simple, from beginning to end!
Is Buying a Home Right for You?
Purchasing a home is a big step and can be a complex decision.
Many lenders require a down payment of 20% of the home price. There will also be closing costs, which could include loan-origination fees, discount points, appraisal fees, survey fees, underwriting fees, title search fees, and title insurance.
Even if your mortgage payment is fixed for the next 30 years, your property taxes and insurance rates can rise. If you didn't make a 20% down payment, you may have to buy private mortgage insurance, or PMI, until you build equity. And there will be expenses related to the upkeep and maintenance of your home.
If you are considering buying a home, be sure to get control of your finances so that you can really afford it. If you have a lot of debt, take the time to pay it off before you buy a home. The bottom line is to make a decision that is right for you and your family.
Not Yet a Bellco FCU Member?
If you live, work, worship, or attend school in Berks County, PA, or are an immediate family member of a Bellco FCU member (no matter where you live), you are eligible to become a member.
Open a Primary Savings Account with as little as $5 and following a few simple steps. Once you join Bellco FCU, you can remain a member for life, whether you change jobs, retire, or move out of Berks County.
Enjoy flexible home loan solutions, including 30-year fixed-rate mortgages, at Bellco FCU in Wyomissing, PA. We are dedicated to helping our members and their families build better lives. Contact us today to learn more!