Mortgage Lenders in Reading, PA

As experienced mortgage lenders in Reading, PA, Bellco Federal Credit Union is dedicated to helping members and their families build better lives with home loans that feature low-interest rates and flexible terms.

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.

Affordable Mortgage Options

Bellco FCU offers competitively low rates for home purchase, refinance, or construction, and has a number of home financing programs available, such as:

  • 30-Year Mortgages: This popular option 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 remain the same over the life of your loan.

  • 15-Year Mortgages: If you can afford a larger monthly mortgage payment, a 15-year mortgage enables you to pay significantly less interest over the life of the loan, build equity faster, and own your home in half the time.

  • Adjustable Rate Mortgages: An adjustable-rate mortgage (ARM) features an initial interest rate for a defined term and then fluctuates over the life of the loan. If interest rates rise or fall, your monthly payment will be adjusted up or down to reflect that change. 

  • FHA Mortgages: This mortgage is one of the easiest types of mortgage loans to qualify for because it requires a low down payment (typically 3.5%), and has easier credit guidelines. Loans can be either adjustable-rate mortgages or fixed-rate mortgages and are available for both purchases and refinances.

  • VA Mortgages: VA home mortgages are backed by the U.S. Department of Veterans Affairs and are designed to help eligible veterans, reservists, active-duty service members, and some surviving spouses purchase a primary residence by offering excellent mortgage terms that most conventional and FHA mortgages cannot match.

  • USDA Home Loans: This 30-year fixed-rate mortgage is designed for low to moderate-income homebuyers and can be an excellent financing option. USDA loans often have lower rates than conventional mortgages and other government-backed mortgages, such as FHA and VA home loans.

Who Can Join Bellco FCU?

You are eligible to join Bellco FCU if:

  • You live, work, worship, or go to 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 become a member. And, once you join Bellco FCU, you can remain a member for life, regardless of where you live or work. 

When you are looking for the best mortgage lenders in Reading, PA with great rates and affordable options, consider Bellco FCU. Our passion is helping you achieve your goals.