Mortgage Berks County, PA

Are you looking for a mortgage in Berks County, PA, with low interest rates and flexible terms? Bellco Federal Credit Union can help you make the right decisions every step of the way. We offer terms, features and options designed to make getting a mortgage as easy as possible.

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.

Like banks, credit unions 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.

Home Mortgage Loans

When you find your perfect home or want to refinance, Bellco FCU has a number of options to consider:

  • Fixed rate mortgages: With a fixed-rate mortgage, the interest rate remains the same for the entire life of the loan, and the payment will be the same every month.  The monthly payments on a 30-year fixed rate mortgage will be lower than those on a 15-year fixed rate mortgage because the loan is being paid off over a longer period of time. 

  • Adjustable rate mortgages: Adjustable rate mortgages are attractive to many potential homeowners because the initial interest rate is lower than the rate on a fixed-rate mortgage.  If interest rates rise, however, your mortgage payments will also rise.  

  • USDA Rural Housing Loans: USDA loans are backed by the US Department of Agriculture and, when borrowers meet the income requirements, can be a great home financing option, with lower rates than conventional mortgages and other government-backed mortgages, such as FHA and VA home loans.

  • FHA Loans: An FHA mortgage is a government-backed home loan that has less stringent down payment and credit requirements than those for conventional loans.  The initial costs can be significantly lower than other mortgage options. 

  • VA Loans: Backed by the U.S. Department of Veterans Affairs, VA home mortgages are designed to help eligible veterans, reservists, active-duty service members, and some surviving spouses purchase a primary residence with excellent mortgage rates and terms.

  • Construction Loans: Bellco FCU also offers construction loans. We can help you go from empty lot, to construction, to mortgage … all with the people you know and trust.

Finding the right mortgage will set a solid foundation for successful homeownership. Bellco FCU has the mortgage tools, information and expertise to help you with the decisions you need to make along the way.

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. 

Enjoy flexible home mortgage solutions at Bellco FCU in Berks County, PA. We are dedicated to helping our members and their families build better lives. Contact us today to learn more!