Mortgages

  • Overview

    The Firstrust Difference

    At Firstrust:

    • Mortgages are processed locally
    • Our mortgage loan officers sit within arms-length of our application processors
    • Your questions get answered quicker

    Deep Links

    At Firstrust:

    • Mortgages are processed locally
    • Our mortgage loan officers sit within arms-length of our application processors
    • Your questions get answered quicker
    Learn More

    New Home Purchase?

    Whether you are purchasing your first home, your dream home or are an empty nester we can help find the right loan option for you.

    We can help you understand:

    • Fixed & variable rate mortgages
    • State bond programs
    • FHA & VA mortgages
    • Jumbo & Swing loans
    Learn More

    Refinancing A Home?

    Take advantage of low mortgage rates.

    We can help you:

    • Shorten the term of your mortgage
    • Lower your monthly payment
    • Close with little out-of-pocket costs
    Learn More

    Building A Home?

    Our Construction to Perm Loans can help you build your dream home in the easiest way possible.

    We can help you:

    • Finance the construction
    • Convert to permanent loan once complete
    • Lock in a rate while being built
    • Save money by paying fees only once
    Learn More

    First Time Home Buyer?

    At Firstrust, we understand the anxiety as well as the excitement that comes with buying your first home.

    We can help you:

    • Get a free prequalification & program review
    • Understand first time home buyer mortgage programs like FHA, VA and State bond programs
    Learn More


    Disclosures

    *Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 60 days. Rates are subject to change at any time.

    Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend.

    Firstrust National Mortgage Licensing Service (NMLS) Representatives

  • x Purchasing A New Home

    Purchasing A New Home

    A mortgage specialist will work with you to find the loan that is best for you. We offer:

    • Fixed and variable rate loan options
    • State Bond programs
    • FHA and VA mortgages
    • Jumbo loans

    FHA & VA Mortgages

    FHA loans are federal insured loans with benefits like:

    • As little as 3.5% down payment on your first time home purchase
    • Less stringent qualification and credit requirements

    VA loans are loans given to veterans, members of the military, or a surviving spouse of a veteran. VA loans offer:

    • Fast approval
    • Little to no downpayment
    • Low interest rates.
    Get Started

    Jumbo Loan

    A jumbo loan may be your best option if you are looking for a larger home and need to finance between $417,000 - $1,500,000 and have 20% to put down. Jumbo loans offer:

    • Low rates
    • The choice between fixed or adjustable rates

    Contact us to find out if this is your best option.

    Get Started

    Condo Mortgages

    Looking to buy a condo? The rules for condos can be different than those for typical housing that do not have homeowners associations. We have the expertise to guide you through this process with:

    • Fannie Mae standard loans
    • Special programs for condos that do not meet Fannie Mae requirements

    Contact us to learn more.

    Get Started

    PHFA Loans

    PHFA loans are offered under a state program that seeks to provide mortgages to first time homebuyers in the state of Pennsylvania. The program has:

    • Specific income and purchase limits
    • No mortgage insurance options
    • Competitive interest rates and fewer fees
    • Possible down payment and closing cost assistance

    Contact us to find out if you could qualify.

    Get Started

    Tandem Loans

    A Tandem Loan is a unique program where two loans are taken out on one home. The secondary loan is usually added to the primary loan. This program affords the option of 90% financing without mortgage insurance.

    Contact us to find out more about this program.

    Get Started


    Disclosures

    *Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 60 days. Rates are subject to change at any time.

    Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend.

    Firstrust National Mortgage Licensing Service (NMLS) Representatives

    For fixed rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing. Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater.

    For adjustable rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing for the initial term of the loan. Monthly payment does not include taxes and insurance premiums. After the initial term is complete the rate and payment amount can increase.

  • x Refinancing Your Home

    Refinancing Your Home

    Firstrust can help you:

    • Shorten the term of your mortgage
    • Lower your monthly payment
    • Close with little out-of-pocket costs

    FHA & VA Mortgages

    FHA loans are federal insured loans with benefits like:

    • As little as 3.5% down payment on your first time home purchase
    • Less stringent qualification and credit requirements

    VA loans are loans given to veterans, members of the military, or a surviving spouse of a veteran. VA loans offer:

    • Fast approval
    • Little to no downpayment
    • Low interest rates.
    Get Started

    Jumbo Loan

    A jumbo loan may be your best option if you are looking for a larger home and need to finance between $417,000 - $1,500,000 and have 20% to put down. Jumbo loans offer:

    • Low rates
    • The choice between fixed or adjustable rates

    Contact us to find out if this is your best option.

    Get Started

    PHFA Loans

    PHFA loans are offered under a state program that seeks to provide mortgages to first time homebuyers in the state of Pennsylvania. The program has:

    • Specific income and purchase limits
    • No mortgage insurance options
    • Competitive interest rates and fewer fees
    • Possible down payment and closing cost assistance

    Contact us to find out if you could qualify.

    Get Started

    Tandem Loans

    A Tandem Loan is a unique program where two loans are taken out on one home. The secondary loan is usually added to the primary loan. This program affords the option of 90% financing without mortgage insurance.

    Contact us to find out more about this program.

    Get Started


    Disclosures

    *Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 60 days. Rates are subject to change at any time.

    Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend.

    Firstrust National Mortgage Licensing Service (NMLS) Representatives

    For fixed rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing. Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater.

    For adjustable rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing for the initial term of the loan. Monthly payment does not include taxes and insurance premiums. After the initial term is complete the rate and payment amount can increase.

  • x Building Your Home

    Our Construction to Perm Loans can help you:

    • Finance construction and convert to a permanent loan once building is complete
    • Lock in a rate while your home is being built
    • Save money by paying only one set of loan fees

    Construction to Perm

    Looking to build your next home? Our construction to perm loan program can help you finance the construction and convert to a permanent loan once the building is complete. We can help you:

    • Lock in a rate while your home is being built
    • Pay only one set of fees
    • Understand the process step by step

    Contact us to learn more.

    Get Started


    Disclosures

    Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend.

    Firstrust National Mortgage Licensing Service (NMLS) Representatives

  • x Purchasing First Home

    Purchasing First Home

    Find the best mortgage for your unique situation with the help of one of our dedicated mortgage specialists:

    • Get a Free prequalification & program review
    • Understand mortgage types
    • Learn about specialized programs like FHA and VA mortgages and State bond programs

    FHA & VA Mortgages

    FHA loans are federal insured loans with benefits like:

    • As little as 3.5% down payment on your first time home purchase
    • Less stringent qualification and credit requirements

    VA loans are loans given to veterans, members of the military, or a surviving spouse of a veteran. VA loans offer:

    • Fast approval
    • Little to no downpayment
    • Low interest rates.
    Get Started

    PHFA Loans

    PHFA loans are offered under a state program that seeks to provide mortgages to first time homebuyers in the state of Pennsylvania. The program has:

    • Specific income and purchase limits
    • No mortgage insurance options
    • Competitive interest rates and fewer fees
    • Possible down payment and closing cost assistance

    Contact us to find out if you could qualify.

    Get Started

    Tandem Loans

    A Tandem Loan is a unique program where two loans are taken out on one home. The secondary loan is usually added to the primary loan. This program affords the option of 90% financing without mortgage insurance.

    Contact us to find out more about this program.

    Get Started


    Disclosures

    *Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 60 days. Rates are subject to change at any time.

    Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend.

    Firstrust National Mortgage Licensing Service (NMLS) Representatives

    For fixed rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing. Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater.

    For adjustable rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing for the initial term of the loan. Monthly payment does not include taxes and insurance premiums. After the initial term is complete the rate and payment amount can increase.