Home Loans Laureldale, PA

Have your Zillow daydreams manifested into a genuine home search? Find the ideal home loans to make these dreams come true in Laureldale, PA, with Bellco Federal Credit Union.

A member-owned, non-profit federal credit union, Bellco FCU began as the Bell Telephone Credit Union in 1938 and has evolved over the years to serve all of Berks County. While we provide many of the same functions as a traditional bank, we differ primarily in our purpose. We do not operate to make a profit for shareholders; we exist to facilitate the financial lives of members and to make the community better.

When you join Bellco FCU, you gain access to low- and no-fee banking services, friendly terms for borrowing, and all of the modern banking conveniences you expect.

Home loan acquisition through Bellco FCU is simpler, with straightforward processes and competitive rates and terms. The right home loan product for you may differ from the best one for another buyer, but our financial professionals will be happy to walk you through the options and narrow them down to the best one for you.

Various Mortgage Options

  • Fixed Rate Home Loans

  • Adjustable Rate Mortgages

  • FHA Mortgages

  • VA Mortgages

  • USDA Rural Housing Mortgages

  • Jumbo Loans

  • Construction Loans

  • First-Time Homebuyer Specials

Prepare to Become a Homeowner

As you consider becoming a homeowner, take the opportunity to get your financial house in order. Build up your credit rating, pay off outstanding debt, and reflect on the stability of your income, now and in the future.

Buying a home can be costly, even when your credit rating is rock solid. The down payment, closing costs, origination fees, appraisal fees, underwriting fees, title fees, and more can accumulate quickly. Other costs will come up as well.

Depending on the loan terms, a fixed mortgage will have a set payment for the next 15, 20, or 30 years. However, the taxes and insurance rates can increase unexpectedly, so you'll need to prepare for surprise changes to your budget year by year.

Homeowners are also responsible for maintenance and repair costs, so the time to work out a realistic budget, including all of these potential costs, is before you take out a home loan. From the HVAC system to landscaping, become familiar with all the various home systems you'll need to maintain to estimate potential expenses for this maintenance.

Bellco FCU for Home Buying Power

If you want the power of Bellco FCU behind you as you buy your home, become a member. If your home, job, school, or worship center is in Berks County, or if you have an immediate relative who is already a Bellco FCU member, you qualify to join.

Verify eligibility by depositing a nominal amount ($5) into a Primary Member Savings account. These steps will secure membership and a lifelong membership that comes with access to all products and services we offer.

Bellco FCU offers home loans that will work well for your family's current and future plans. Reach out to our team today when you're ready to acquire home loans in Laureldale, PA. Click here, call (610) 373-5192, or stop in at one of our Sinking Spring or Wyomissing branches.