30-Year Mortgage Berks County, PA

If you live, work, attend school, or worship in Berks County, PA, and are ready to make the leap into homeownership, consider a 30-year mortgage from Bellco Federal Credit Union.

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. Our trusted and experienced professionals genuinely listen and offer solutions with the compassion of a true neighbor.

We offer competitively low rates for home purchase, refinance, or construction, and have a number of home financing programs available, including:

  • Fixed-rate mortgages

  • Adjustable-rate mortgages

  • USDA Rural Housing Loans

  • FHA Loans

  • VA Loans

  • Construction Loans

  • First-Time Homebuyer Specials

About the 30-Year Mortgage Loan

The 30-year mortgage is the most popular home loan in the nation because it offers payments that are more budget-friendly than mortgages with shorter terms.

A 30-year fixed-rate loan is a great choice if you plan to live in your home for many years and want the security of a monthly principal and interest payment that will not change over the life of your loan. Although you never know when interest rates will change, you may qualify for refinancing at a lower rate if the rates happen to go down.

Fixed monthly payments may be easier on your checkbook, but it’s important to consider that the interest accumulated over the course of a 30-year mortgage is considerably larger than the interest on a 15-year mortgage. 

A member of the Bellco FCU mortgage team will be happy to help you find out if you qualify for a 30-year mortgage. By evaluating your creditworthiness based on your income, assets, debts, and past credit use, we can help you qualify for a home loan and determine how much you can afford to borrow. We also offer free pre-approval to give you added confidence.

If you are interested in a different type of mortgage, Bellco FCU’s locally-knowledgeable loan advisors would be happy to help you find a loan program that best fits your individual needs.

How to Join Bellco FCU

You are eligible to join Bellco FCU if:

  • You live, work, worship, or attend school in Berks County, PA

  • You are in the immediate family (spouse, parents, children, siblings, grandparents) of a Bellco FCU member, no matter where you live

By opening a Primary Savings Account with as little as $5 and following a few simple steps, you can quickly become a member. And, once you join Bellco FCU, you can remain a member for life, whether you change jobs, retire, or move out of Berks County.

When you need a 30-year mortgage with competitive rates and don’t know where to go, visit Bellco FCU to find out about our wide range of financial products and services. We’re ready to help you establish an affordable home loan!