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Mortgage Loans

If you are interested in purchasing a new home or refinancing, we can help.  We have a variety of first mortgage rates and terms available, including both fixed and adjustable rate loans.

Our lending area includes Hancock, Brooke, Ohio, and Marshall Counties in West Virginia, Jefferson, Columbiana, Belmont, and Harrison Counties in Ohio, and Allegheny, Beaver, and Washington Counties in Pennsylvania.

Membership eligibility is required. Please refer to Member Information. For more membership information click on the following link:  Membership

NMLS# 411557   Please click on the link for a list of our Mortgage Loan Originators and Nationwide Mortgage Licensing System (NMLS) IDs:   Mortgage Loan Originators

Single Family/ Owner Occupied

PLEASE CALL FOR RATES ON ADJUSTABLE RATE LOANS

FIXED RATE LOANS

Rate

2.875%

3.375%

3.125%

3.625%

3.625%

4.125%

3.875%

4.375%

Term

10 
Years

10 
Years

15 
Years

15 
Years

20
Years

20
Years

30
Years

30
Years

Points

2

0

2

0

2

0

2

0

Down Payment

20%

20%

20%

20%

20%

20%

20%

20%

Monthly Payment*

$537.52

$550.49

$390.11

$403.79

$328.39

$343.05

$263.34

$279.60

Annual 
Percentage Rate*

3.305%

3.382%

3.422%

3.630%

3.859%

4.129%

4.045%

4.378%

* The above monthly payments and APRs are based on a purchase price of $70,000.00, a 20% down payment of $14,000.00, and a loan amount of $56,000.00.  Stated rates are subject to change at any time.

Other Fixed and Adjustable rates, terms and points are available

Up to 95% financing available to qualified borrowers for both fixed and adjustable rate first mortgage loans.  Private mortgage insurance is required on all first mortgage loans with greater than 80% financing.  Private mortgage insurance premiums will increase the stated APR and monthly payment amount.
**Add .375 to any above stated rate for loan amounts greater than $417,000.00

Up to 80% financing is available for new home construction at the rates, terms, and points stated above.

Home Equity Line of Credit is Here with a Great Rate!

Our Equity Loans Unlock the Money You Need from the Equity in the House You Already Have!

3.69

%
APR*

 5.75

%
APR*
Fixed Rate
Through
September 30, 2019
Variable Rate
Beginning
October 1, 2019

Call 1-800-427-4835 or
304-748-8600 to
Set Up Your Appointment Today!

*

**Rate effective April 1, 2018.  No closing costs on approved credit limits of $10,000 or more.  If less than $10,000, closing costs may range between $100-$400.   If you modify an existing First Choice America Home Equity Line of Credit loan, you may be charged a loan modification fee, not to exceed $195.  The initial interest rate is 3.69% through September 30, 2019  and thereafter may adjust on the first of every month to the current prime rate plus .50% as published in the Wall Street Journal (as of 9-27-18, 5.25% + .50 = 5.75APR).  Beginning October 1, 2019, the APR will never be less than 5.00%. Maximum APR 18%. Minimum credit line $5,000. Maximum term is 20 years.  Annual fee $45.  Over limit fee $25.  Property insurance required. Consult your tax advisor about interest deductibility.  All loans subject to credit approval. Limited time offer.  Membership eligibility required. Federally insured by NCUA.  Equal Housing Lender. NMLS# 411557.

 

.

Contact our Mortgage/Home Equity Department toll free at 
1-800-427-4835 or email us at
Mortgage Department

Rates are effective October 10, 2018
Rates Subject to Change Daily

 

*All loans are subject to credit approval.

 

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