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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
  • Ask about our "No Private Mortgage Insurance (PMI)" Programs

Terms every homebuyer needs to know

Free Mortgage Consultation

Most days, there isn't enough hours in the day to get everything done!  And when dealing with one of the biggest decisions of your life, buying a new home, you definitely want professional advice to guide you through the confusing home buying process and help you make the right decision without wasting time or money. That's why we offer our FREE Mortgage Consultation.  Meet with one of our Mortgage Specialists, on your time, and schedule a no obligation appointment!

Wondering if a FREE Mortgage Consultation is right for you?

  • Looking to buy a new home and on the fence as to what to do and when? 
  • Checking the mortgage rates to see when is the best time to refinance your current home?
  • Already own a home? Will refinancing your existing mortgage can save you money?  
  • Wondering how much home you can afford?  Is a prequalification helpful?

Sound familiar?  Then maybe a FREE Mortgage Consultation is perfect for you! 

To get started, please complete the free mortgage consultation form and one of our Mortgage Loan Officers will contact you soon to schedule your free, no obligation consultation!

FREE Mortgage Consultation

19 Mortgage Key Small

Meet our Mortage Loan Officers!

Whether you're a first-time buyer or looking for that ultimate "dream home" our experienced and local Mortgage Lending Team are here to help you every step of the way!  Make one of the biggest decisions of your life with local people you trust to get the job done fast and hassle free. Reach out to them today! 

Mortgage Loan Officers

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 Septic Loan Program Image


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


Still have questions? Click here to submit your questions.

Erie Federal Credit Union NMLS# - 414454


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

Real Estate Agent Network

Rates last updated: 09/18/2019 10:37 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 3.750% with no payment protection, taxes or insurance produces a payment of $4.64 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.

**Discount points are a one-time, upfront mortgage closing cost which give a mortgage borrower access to “discounted” mortgage rates as compared to the market. When discount points are paid, the credit union collects a one-time fee at closing in exchange for a lower mortgage rate. Discount points available up to 3 points.

Erie Federal Credit Union NMLS# - 414454

First Mortgage Loans Up to 30 Years

Loan Type Rate Discount Points** APR* Term/Months
30 Year Conventional Fixed Mortgage Loan 3.750% 0.000 3.792% 360
20 Year Conventional Fixed Mortgage Loan 3.500% 0.000 3.557% 240
15 Year Conventional Fixed Mortgage Loan 3.250% 0.000 3.324% 180
10 Year Conventional Fixed Mortgage Loan 3.250% 0.000 3.357% 120

Jumbo Mortgage Loans: Amounts above $484,350.00

Loan Type Rate
10, 15 Year Fixed Mortgage Loan Call for rates (814) 825-2436
20, 25, 30 Year Fixed Mortgage Loan Call for rates (814) 825-2436

FHA / VA / Adjustable Rate Mortgages (ARMs)

Loan Type Rate
10, 15 Year Fixed Mortgage Loan Call for rates (814) 825-2436
20, 25, 30 Year Fixed Mortgage Loan Call for rates (814) 825-2436
3/1 Year, 5/1 Year, 7/1 Year, 10/1 Year ARMs Available Call for rates (814) 825-2436

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