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MORTGAGE CENTER
Get Prequalified today!
Mortgage Home With White Fence

The Road to Your Mortgage Starts Here

We offer:

  • Adjustable and Fixed-rate mortgages

  • FHA, PHFA and VA mortgages

  • Mortgage refinancing

  • Home equity loans

  • First time home buyer options

Terms every homebuyer needs to know


Everybody offers Home Loans. We offer More!

Get PRE-QUALIFIED*…instantly!

Here’s one of the most important questions in the home buying process: “How much can I really afford?” One way to find the answer is to get a free mortgage pre-qualification* from Erie FCU.

Being pre-qualified is a conditional approval for a mortgage. All that you have to do is supply your overall financial picture, including your debt, income and assets, and we’ll give you an idea of the mortgage amount you might qualify for. Whether you see your next home as a spacious ranch, charming colonial, or lakefront property, being pre-qualified allows you to focus on finding the perfect home in your price range.

Best of all, you can get pre-qualified quickly! Having your financing before you start house hunting lets you make an offer as soon as you've found your dream home.

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.

Get prequalified for a home loan

Looking to use a Realtor?

Real Estate Agent Network

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.

Apply for a home refinance

Put your home's equity to work and start living your dreams. An Erie Federal Credit Union Home Equity Loan or Home Equity Line of Credit is an affordable way to reach your goals. Whether you're considering educational expenses, a home improvement project, or a fabulous vacation, our Home Equity options could be the perfect solution for you.

Learn more about our home equity products


PENNVEST Program Banner Image

PENNVEST HOMEOWNER Septic Program

Are you concerned with the high costs associated with repairing or replacing your on-lot septic system? We can help! 

PENNVEST HOMEOWNER Septic Program


Still have questions? Click here to submit your questions.

Erie Federal Credit Union NMLS# - 414454

REALTOR REBATE PROGRAM

Simplify Your Home Buying Experience

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.

Program Details, Agent Network & Enrollment


Rates last updated: 06/21/2018 10:16 AM

*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 a fixed rate of 4.500% with no payment protection, taxes or insurance produces a payment of $5.07 per $1,000.00 borrowed. Property insurance required. 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.

Erie Federal Credit Union NMLS# - 414454


First Mortgage Loans Up to 30 Years

Loan Type Rate Points APR* Term/Months
30 Year Conventional Fixed Mortgage Loan 4.500% 0 Points 4.543% 360
30 Year Conventional Fixed Mortgage Loan Call for rates 3 Points Call for rates 360
20 Year Conventional Fixed Mortgage Loan 4.375% 0 Points 4.434% 240
20 Year Conventional Fixed Mortgage Loan Call for rates 3 Points Call for rates 240
15 Year Conventional Fixed Mortgage Loan 4.125% 0 Points 4.200% 180
15 Year Conventional Fixed Mortgage Loan Call for rates 3 Points Call for rates 180
10 Year Conventional Fixed Mortgage Loan 4.125% 0 Points 4.234% 120
10 Year Conventional Fixed Mortgage Loan Call for rates 3 Points Call for rates 120

Jumbo Mortgage Loans: Amounts above $453,100

Loan Type Rate
10, 15 Year Fixed Mortgage Loan Call for rates
20, 25, 30 Year Fixed Mortgage Loan Call for rates

You're ready to make the next step, let's help you get started.  Select the option below that meets your needs.

Get Pre-Qualified for a Home Loan

Apply for a home refinance


Learn more about our home equity options


Member Testimonial Image
Our experience with Erie FCU was terrific! When we set up our mortgage (first time homebuyers), we felt really comfortable – During the long process, they were warm and inviting; we weren’t just another number. Our loan officer was very professional answering all our questions and keeping us in the loop throughout. We also love the fact that Erie FCU invests in the community. They’re not in it just for their financial gain. We’re happy members of Erie FCU – that’s for sure.”
— Jon & Aubry D.