Conforming Mortgage Disclosure

Get a better handle on the specifics of your mortgage rate by reading this disclosure.

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Effective 2/10/2016


Based on a $100,000 fixed-rate mortgage for 15 years with 3.125% interest and 3.158% Annual Percentage Rate, you would make 180 monthly payments of $696.61. This payment does not include taxes and insurance; therefore, your payment obligation will be greater.

Based on a $100,000 fixed-rate mortgage for 20 years with 3.750% interest and 3.779% Annual Percentage Rate, you would make 240 monthly payments of $592.89. This payment does not include taxes and insurance; therefore, your payment obligation will be greater.

Based on a $100,000 fixed-rate mortgage for 30 years with 4.000% interest and 4.022% Annual Percentage Rate, you would make 360 monthly payments of $477.42. This payment does not include taxes and insurance; therefore, your payment obligation will be greater.

Many other down payment options are available.

Rates shown are for PA properties.

For more information please contact:

Stacey Sickler
Serving Bradford and Sullivan Counties
570-888-3261 or send an email

Kelly Fasse
Serving Tioga and Chemung Counties
570-662-3899 or send an email

Linda Gordner
Serving Lycoming County and surrounding areas
570-546-2753 or send an email

Todd Coolidge
Serving Tioga and Potter Counties
570-724-0212 or send an email

Michelle Rae
Serving Bradford County
570-268-3034 or send an email

Kathi Heimbach
Serving Bradford and Tioga Counties
570-297-2426 or send an email

Brenda Whiteley
Serving Sullivan and Lycoming Counties
570-928-8125 or send an email

* Annual Percentage Rate is based on property in Pennsylvania.
** Annual Percentage Rates above based on 80% or less Loan to Value.
*** Loans Subject To Credit Approval.