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If you are eager to start shopping for a home but need financing, Bellco Federal Credit Union, one of the best mortgage lenders in Sinking Spring, PA, offers a variety of affordable mortgage solutions. We’re passionate about helping you achieve your homeownership goals!



About Bellco FCU

Bellco FCU is a member-owned, not-for-profit federal credit union. Originally known as the Bell Telephone Credit Union, we opened our doors in 1938 and continue to offer unique financial products and services to individuals and small businesses in Berks County.

Like banks, we accept deposits, make loans and provide a wide array of other financial services. Our goal is to add convenience to your life with products and services that are tailored to your needs.

Membership is available to individuals who live, work, worship, or attend school in Berks County, including immediate family members, such as your spouse, children, siblings and parents. Open a primary Member Savings account with as little as $5 and follow a few simple steps to become a member.

Whether you are buying your first home or upsizing, downsizing or interested in refinancing your current mortgage, Bellco FCU offers a variety of mortgage options with competitive rates and flexible terms, including:

  • 30-Year Fixed-Rate Mortgages
  • 15-Year Fixed-Rate Mortgages
  • Adjustable Rate Mortgages
  • FHA Home Loans
  • VA Mortgages
  • USDA Rural Housing Loans
  • Jumbo Loans
  • Construction Loans
  • Home Equity Loans
  • Home Equity Lines of Credit
  • First-Time Homebuyer Specials

Is Buying a Home Right for You?

Purchasing a home is a big step and can be intimidating. 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.

The mortgage specialists at Bellco FCU have the 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!

Bellco FCU is one of the best mortgage lenders in Sinking Spring, PA. We are dedicated to helping members and their families build better lives and will go out of our way to provide you with the best products and services. Contact us today to learn more!