Home Mortgages in Kutztown, PA

Bellco Federal Credit Union is dedicated to helping members and their families in Kutztown, PA and throughout Berks County build better lives with affordable home mortgages. 

About Bellco 

Bellco FCU, a member-owned, not-for-profit federal credit union, has provided unique financial products and services to individuals and small businesses in Berks County, PA since 1938.

Unlike for-profit banks that focus on earning profits for their shareholders, Bellco FCU returns its earnings to members in the form of low interest rates on loans, high-yield investment accounts, low- or no-fee checking and savings accounts, and the friendliest service.

Wide Variety of Mortgage Options

Bellco FCU offers a wide range of home loans on primary residences, vacation homes, and investment properties, including:

  • 30-year home mortgage: The 30-year mortgage is the most popular home loan because it is more budget-friendly than mortgages with shorter terms. If you want the security of a monthly payment that won’t change over time, this is it.

  • 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. 

  • FHA mortgage: FHA home loans, backed by the Federal Housing Administration, have less stringent requirements than conventional loans. They may be the perfect fit if you have less-than-perfect credit, no formal credit history, or limited cash for a down payment.

  • VA mortgage: VA home mortgages are designed to help eligible veterans, reservists, active-duty service members, and some surviving spouses purchase a home with excellent mortgage terms that most conventional and FHA mortgages cannot match.

  • Construction loans: If you are building a new home, you’ll need a loan that enables you to draw out money during the construction period to pay your contractor and subcontractors. Bellco FCU offers affordable construction loans and flexible terms.

Who Can Join?

You are eligible to join Bellco FCU if:

  • You live, work, worship, or go to school in Berks County, PA

  • You are in the immediate family (spouse, parents, children, siblings, grandparents) of a Bellco FCU member, no matter where you live

By opening a primary savings account with as little as $5 and following a few simple steps, you can become a member. And, once you join Bellco FCU, you will be able to remain a member for life, regardless of where you live or work. 

If you are interested in any type of home mortgage, our locally-knowledgeable loan advisors will be happy to help you qualify for a home loan and determine how much you can afford to borrow. We also offer free pre-approval to give you added confidence.

If you are ready to start shopping for a home in Kutztown, PA but need financing, Bellco FCU offers a variety of affordable home mortgages to meet your needs.