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Welcome Experienced & First-Time Home Buyers!

Whether you're a first time home buyer or an experienced home buyer with specific lending needs, select this application to get your mortgage loan started.

Still have questions? Click here to submit your questions.
Looking to refinance?

Have an existing mortgage at another financial institution and looking to refinance at a lower interest rate? Select this application to get the process started.

Still have questions? Click here to submit your questions.
Important Home Buying Information
Fixed Rate Mortgage Payment Example
Loan Amount Rate Points Term Monthly Payment - Principal & Interest
$100,000 4.250% APR* 0 Points 360 Months $492.14

First Mortgage Loans Up to 30 Years

Loan TypeRatePointsTerm
10 Year Conventional Fixed Mortgage Loan3.250% APR* 0 Points 120
10 Year Conventional Fixed Mortgage Loan2.875% APR* 3 Points 120
15 Year Conventional Fixed Mortgage Loan3.500% APR* 0 Points 180
15 Year Conventional Fixed Mortgage Loan3.000% APR* 3 Points 180
20 Year Conventional Fixed Mortgage Loan4.125% APR* 0 Points 240
20 Year Conventional Fixed Mortgage Loan3.750% APR* 3 Points 240
30 Year Conventional Fixed Mortgage Loan4.375% APR* 0 Points 360
30 Year Conventional Fixed Mortgage Loan4.000% APR* 3 Points 360
Jumbo Mortgage Loans: Amounts above $417,000See Below n/a n/a
10, 15 Year Fixed Mortgage Loan4.000% APR* 0 Points 120-180
10, 15 Year Fixed Mortgage Loan3.250% APR* 3 Points 120-180
20, 25, 30 Year Fixed Mortgage Loan4.750% APR* 0 Points 240-360
20, 25, 30 Year Fixed Mortgage Loan4.125% APR* 3 Points 240-360
*APR = Annual Percentage Rate. Interest rates shown are for conventional fixed rate mortgage loans. Rates may change daily, are subject to change without prior notice, and apply to loans up to Fannie Mae's conventional mortgage loan limits. Payment example: 360 monthly payments at 4.250% APR with no payment protection produces a payment of $4.92 per $1,000.00 borrowed. Please contact us for current interest rate information, mortgage loan limits, a fee schedule or down payment requirements at (814) 825-2436 or (800) 480-0494
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Earn a rebate when you work with our select Real Estate Agent Network. Whether you're in the market to buy or sell a home, the Erie Federal Credit Union can save you hundreds, or even thousands of dollars through our Realtor Rebate Program.