Best Mortgage Lenders in Kutztown, PA

Whether you are buying your first home in Kutztown, PA, or upsizing, downsizing or refinancing, apply for a home loan with Bellco Federal Credit Union, one of the best mortgage lenders in Berks County, PA, to enjoy competitive rates, flexible terms and superb service.

Bellco FCU, a member-owned, not-for-profit federal credit union, opened its doors in 1938 and, 80 years later, continues to provide unique financial products and services to individuals and small businesses in Berks County.

Like banks, credit unions accept deposits, make loans and provide a wide variety of other financial services. But as member-owned and cooperative institutions, we provide a safe place to save and borrow at reasonable rates with exceptional customer service.

Mortgage Options to Meet Your Needs

Bellco FCU offers a wide variety of home loan options for all types of borrowers to help you make smart, informed decisions that meet your unique needs, including:

  • Fixed Rate: A fixed-rate mortgage has a fixed interest rate for the entire term of the loan, typically 15 or 30 years. Since the interest rate is locked in, your payment will be the same every month. A fixed rate 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. 

  • Adjustable Rate (ARM): ARMs offer savings for borrowers through lower rates and lower monthly payments. These mortgages have an introductory interest rate that lasts for a specified time period and then adjusts up or down every year for the remainder of the loan term. 

  • FHA: If you have limited funds for a down payment, you may want to consider an FHA mortgage. This mortgage is a government-backed mortgage with less stringent credit requirements than those of conventional home loans.  The initial costs can be significantly lower than other mortgage options. 

  • VA: VA home mortgages are backed by the U.S. Department of Veterans Affairs to help eligible veterans, reservists, active-duty service members, and some surviving spouses purchase a primary residence by offering 100% financing and more lenient credit and income requirements than conventional mortgages.

  • USDA: USDA Rural Housing loans are backed by the US Department of Agriculture. Borrowers who meet the income requirements can enjoy a great home financing option that offers 100% financing and lower rates than conventional mortgages and FHA and VA home loans.

Join Today to Get Started

Membership in Bellco FCU is open to people who live, work, worship, or attend school in Berks County, PA. Simply open a Member Savings account with as little as $5 and set up your membership in a few simple steps.

Once you are a member, your immediate family members 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. 

As one of the best mortgage lenders in Berks County, Bellco FCU has a variety of mortgage loan options to meet your home financing needs in Kutztown, PA. Get in touch with us today to learn more.