Home Loans Berks County, PA

Whether you're looking to buy your first home in Berks County, PA, or refinance an existing mortgage, Bellco FCU offers home loans that can help you achieve your goals.

Bellco FCU is a member-owned, not-for-profit federal credit union. Since 1938, when we were called the Bell Telephone Credit Union, we have provided unique financial products and services to individuals and small businesses in Berks County. 

Whether you are looking for home lending services, auto loans, credit cards, a fee-free checking account, or an excellent savings program, we are available to help at every important stage of your life.

Affordable Mortgage Options

Bellco FCU offers a variety of home loans on primary residences, vacation homes, or investment properties, such as:

  • 30-year home mortgage: The 30-year mortgage is the most popular home loan in the nation because it offers payments that are more budget-friendly than mortgages with shorter terms. This mortgage is an excellent choice if you plan to live in your home for many years and want the security of a monthly principal and interest payment that won’t change over the life of your loan.

  • 15-year home mortgage: If your budget allows for a larger monthly payment, the 15-year fixed rate mortgage has several advantages. You’ll pay less mortgage interest, build equity faster, and can own your home in half the time.

  • Adjustable-rate mortgage: An adjustable-rate mortgage features an initial interest rate for a defined term and then fluctuates over the life of the loan, with payments adjusting up or down to reflect the changing rate. This mortgage can be more affordable for some buyers because the initial rate is often lower than other fixed-rate options.

VA mortgage: VA home mortgages are backed by the U.S. Department of Veterans Affairs and are designed to help eligible veterans, reservists, active-duty service members, and some surviving spouses purchase a primary residence by offering excellent mortgage terms that most conventional and FHA mortgages cannot match.

How to Become a Member of Bellco FCU

Simply open a Member Savings account with as little as $5, and establish your membership in a few simple steps. This is not a fee; it is a share in the credit union and provides you voting rights. When you join a credit union like Bellco FCU, you become a partial owner and have a say in any decisions we make.

Once you become a member of Bellco FCU, your spouse, children, siblings and parents will be eligible to join too and take advantage of competitive rates for mortgages, personal loans, credit cards, and the many other services we offer. 

You can remain a member for life, whether you leave your current employer, retire, or move away. You will be able to access your accounts from anywhere by mail, fax, telephone, online and at thousands of ATMs across the nation.

As you search for affordable home loans in Berks County, PA, consider Bellco FCU. Visit us online to find out how easy it is to open an account and become a member, and then let us help you meet your financial needs.