Home Loans

You need a home loan personalized for your unique needs. Our local experts help make the process of getting that loan as smooth as possible.

When you choose Central Penn Bank & Trust, you can rest assured you will receive personalized service unlike anywhere else. Our local lenders come to know you personally, understand your needs and will customize services for your specific needs.

Today’s Mortgage Rates¹
Purchase Price: $250,000
Down Payment: $50,000
Loan Amount: $200,000

*Other rates and terms available. Terms can range from 3 to 30 years.
 

Buying

It’s time to buy that dream home you’ve been waiting for. We offer several different mortgage loans that provide a lower initial interest rate to make your new home more affordable. You can borrow up to 97% of the purchase price. Fixed and adjustable rate mortgages are available with terms ranging from 10 to 30 years.

Building (Construction Loans)

Design your new home just the way you want it! With our construction loans, we have multiple rate options and mortgage loan types available. You pay interest only payments during the construction phase, which are billed monthly on the outstanding balance only. Your loan converts to principal and interest payments upon receipt of an occupancy certificate. Advances are seamlessly made payable to customer and contractor.

Refinancing

Refinancing your mortgage can be a smart way to realign your home loan with your current financial goals. Whether you're looking to change your loan term, consolidate debt, or access funds for major expenses, refinancing offers flexibility and control. Our local lenders are here to guide you through the process and help you explore your options.

Home Equity

A home equity loan enables you to turn the equity of your home into cash for various needs, such as home improvements, student loans, a new camper or RV, a new vehicle and more. You can borrow up to 90% of the value of your home. Interest rates vary.

One of our local lenders will help review your options to find the one best suited for your needs. Schedule an appointment by calling 888-966-6282, or easily apply for a home loan online.

Mortgage rates valid as of August 6, 2026, at 10:10am Eastern Daylight Time and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal and interest. Standard loan fees will apply. ARM (adjustable rate mortgage) interest rates and payments are subject to increase after the initial fixed-rate period (3 years for a 3/3 ARM, 5 years for a 5/5 ARM, 7 years for a 7/5 ARM, and 10 years for a 10/5 ARM).

  ¹Mortgage Rates chart is for example purposes only and rates are subject to change without notice. APR (annual percentage rate) assumes the borrower has excellent credit of 740 or higher along with other loan assumptions; your APR may differ depending on credit history and other factors. Payments do not include taxes and home insurance, which will increase monthly payment amount.
Products may not be available for your situation.