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 MORTGAGES

Your Future Starts at Home 

Every home has a different story. That's why we offer personalized mortgage solutions tailored to your goals, with local guidance every step of the way. 

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Local Decisions
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Tailored Solutions
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Personalized Service
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Mortgage Solutions Built Around You

Because every home has a different story, every mortgage deserves a different approach. From conventional mortgages to government-backed programs and construction financing, we offer lending solutions for every stage of homeownership. Our experienced team takes the time to understand your goals and recommend the option that's right for you, not just the one that fits a checklist.

Personalized Solutions

No two homebuyers are the same. We'll help you find financing that's tailored to your goals and financial situation.

Local Lending Decisions

Work with experienced lenders who know your community and are committed to helping you succeed

Competitive Rates

We offer competitive mortgage rates designed to help make homeownership more affordable.

Convenient Payment Options

Whether you prefer automatic payments, ACH, checks, or transferring funds from your Central Penn Bank account, managing your mortgage is simple and convenient.

Guidance Every Step of the Way

From pre-approval to closing, our mortgage team is here to answer questions, explain your options, and make the process easier.

Programs for Every Stage

Whether you're a first-time homebuyer, building your dream home, refinancing, or using your home's equity, we have financing solutions to fit your needs. 

First-Time Homebuyers

Buying Your First Home? 

Buying your first home is a big milestone, but you don't have to navigate it alone. Our local mortgage lenders will guide you through the process, explain your options, and help you feel confident every step of the way.

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Construction Loans

Build Your Dream Home

When you're building a home, your financing needs are different than a traditional mortgage. Our construction loan solutions are designed to support you through every phase of the building process, with local lenders who understand your vision and are committed to helping you bring it to life.  

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Special Loan Programs

Financing Options for More Homebuyers   

Every homebuyer's financial situation is unique. That's why we offer FHA and PHFA loan programs that provide additional financing opportunities for qualified borrowers. Our team will help you understand your options and determine which program best fits your needs. 

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Home Equity Loans

Unlock Your Home’s Equity   

The equity you've built in your home can help you accomplish more. Whether you're planning renovations, consolidating debt, covering education expenses, or funding a major purchase, our Home Equity Loans and Home Equity Lines of Credit (HELOCs) provide flexible financing options tailored to your goals. Our experienced lenders will help you determine which option is right for your financial goals.

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Frequently Asked Questions

How much home can I afford?

Your budget depends on several factors, including your income, monthly expenses, down payment, and credit history. We highly recommend meeting with one of our mortgage lenders to discuss the pre-approval process before you begin your home search. Knowing how much you qualify for can help you shop with confidence, narrow your search, and be ready when you find the right home.

Do I need a 20% down payment?

Not always. Many loan programs allow qualified buyers to purchase a home with less than 20% down. We'll help you explore the options available to you.

How long does the mortgage process take?

Every home purchase is different, but most mortgages close within 60 days. Your lender will keep you informed throughout the process and answer any questions along the way.

What types of mortgage loans do you offer?

We offer a variety of mortgage solutions, including conventional mortgages, construction loans, FHA loans, PHFA programs, refinancing options, and Home Equity Loans. Our team will help you find the solution that's right for you.

What can I use a Home Equity Loan for?

Many homeowners use their equity for home improvements, debt consolidation, education expenses, major purchases, or other significant financial needs.

Why should I choose Central Penn Bank & Trust for my mortgage?

Because every borrower is different, we take a personalized approach to lending. Our experienced local lenders take the time to understand your goals, recommend financing options that fit your needs, and guide you through the process every step of the way.

Ready to Take the Next Step?

Whether you're just beginning your home search or ready to apply, our local mortgage team is here to help you find a financing solution that's right for you. 

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