Mortgage Lenders in Womelsdorf, PA

If your family has grown and needs more space, or if part of your family has matured and left the nest, the time may be right to shop around for real estate. Consider Bellco Federal Credit Union, one of the foremost mortgage lenders serving homebuyers in Womelsdorf, PA. We offer fast processing, great service, flexible rates, and so much more.

Call Bellco FCU to finance your:

  • Starter home

  • Refinancing

  • Custom home build

  • Vacation property

  • Investment property

  • Condo purchase

Who We Are

Bellco Federal Credit Union is owned by members and works on a not-for-profit basis. We work for our members, not shareholders. That’s how we can provide better terms, greater flexibility, and more competitive rates. As the legacy of the Bell Telephone Credit Union, Bellco FCU continues to help small businesses and individuals with a wide range of financial products and services for the people and businesses of Berks County.

Match the Mortgage to the Purchase and the Purchaser

The catalog of home loan variations available at Bellco FCU are many. If you’re unsure of the type required for your situation, allow our financial specialists to provide a bit of guidance. We’re here to help members, not make a profit from their choices.

Most customers choose a fixed-rate mortgage. It’s what they’re familiar with in most cases. Consider these features:

  • Fixed interest rate for entire loan term (15 or 30 years)

  • Longer term = Lower payments but more interest paid

  • Shorter term = Higher payments but less interest over course of loan

  • Stable payment from month to month

An Adjustable-Rate Mortgage (ARM) is appealing, but borrowers should be aware of how this loan works. An ARM begins with a low introductory rate that translates to a low monthly payment. After a time, however, the introductory rate expires and is replaced with a contractual interest rate plus the prime rate. As the prime rate changes, so will the payment. This fluctuation can make it difficult to budget and make payments. For investment properties, this loan product can be highly beneficial.

The US government offers funds for prospective home buyers without fantastic credit or available funds for a down payment. This FHA program provides home loan opportunities with lower credit requirements and upfront costs.

One of the perks of sacrificing as a soldier is being able to obtain a VA home mortgage. This financial product helps vets, active-duty, and some surviving spouses to buy homes with full financing, lower credit requirements, and flexibility on income demands.

The USDA Rural Housing mortgage option is another governmental offering. This one is supported by the US Department of Agriculture. Homebuyers will need to meet income requirements, but they can gain comprehensive financing and incredible rates - even better than other government backed mortgages.

Ready for House Hunting?

Before house hunting, consider getting a pre-approval or having a financial check-in to make sure that you know how much you can comfortably spend. Bellco FCU offers the assistance of a wealth of quality financial professionals.

To become a member in Bellco FCU, establish eligibility and open a Member Savings account with a nominal $5 deposit. Eligibility requires that a person be the immediate family member of a member or that he or she lives, works, worships, or goes to school in Berks County.

In Womelsdorf, PA, you won’t find better mortgage lenders than right here at Bellco Federal Credit Union.