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Bellco Federal Credit Union in Berks County, PA offers a variety of options to meet your home financing needs, including USDA Home Loans.

Bellco FCU, a member-owned, not-for-profit federal credit union, opened its doors in 1938 and continues to provide unique financial products and services to individuals and small businesses in Berks County.

Credit unions, like banks, accept deposits, make loans and provide a wide variety of other financial services. But as member-owned and cooperative institutions, we provide a safe place to save and borrow at reasonable rates with exceptional customer service.

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Benefits of USDA Rural Housing Loans

USDA loans, also known as Section 502 Loans (named for their place in the USDA charter), is a 30-year fixed rate mortgage designed for low to moderate income home buyers.

The loans are backed by the US Department of Agriculture and, when borrowers meet the income requirements, can be an excellent home financing option. You may be surprised to find that USDA loans often have lower rates than conventional mortgages and other government-backed mortgages, such as FHA and VA home loans.

For qualified buyers, USDA loans offer:

  • Financing of 100% of the home purchase price
  • No down payment
  • No loan amount limitations
  • Financing for single-family homes and condos, as well as manufactured and modular homes

First, the home you are financing must be located in an USDA-eligible area of Pennsylvania. These are generally communities located outside of major metropolitan areas and communities of fewer than 20,000 people; however, residences in almost every area of Pennsylvania and the United States can be purchased with USDA home loans.

Your household income also must fall within the USDA’s annual maximum income limits, which vary by area, and you should have good credit and a history of paying your bills in a timely manner.

Bellco FCU’s goal is to help members set a solid foundation for successful homeownership. We have the tools, information and expertise to help you with the decisions you need to make to find the right mortgage.

Who Can Join?

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 will be able to remain a member for life, regardless of where you live or work.

Bellco FCU can help you learn more about USDA home loans in Berks County, PA, and find out if you are eligible. We are dedicated to helping our members and their families build better lives. Contact us today!