When are home equity loans tax deductible?
For over eighty years, Choice One Community Credit Union has been a trusted part of this community, helping families like yours achieve their homeownership dreams. We believe in a personal touch, especially when it comes to something as important as your mortgage.
Whether you’re purchasing your first home or looking to refinance an existing mortgage, you’ll benefit from our competitive mortgage rates and low closing costs.
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Ready to take the next step? You can proceed directly to our secure online mortgage application.
Prefer a little personalized support? Our dedicated Mortgage Advisors are here to guide you every step of the way. Consider them your expert partner in navigating the home loan process. Fill out the Mortgage Contact Form below for assistance!
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Explore Choice One Mortgage Loans
Imagine the peace of mind that comes with knowing your monthly mortgage payment will stay the same, year after year. That’s the beauty of a Conventional Fixed Rate Mortgage from your neighbors at Choice One Community Credit Union. It’s a straightforward path to homeownership, offering stability for your budget and long-term financial planning. Our team is here to walk you through the details and find the fixed-rate solution that truly feels right for you and your future in your new home.
Thinking about a bit more flexibility with your initial home loan payments? An Adjustable Rate Mortgage (ARM) from Choice One Community Credit Union could be a smart move. It starts with a lower interest rate for a set period, which can make those early years a little easier. Just keep in mind that the rate will adjust later based on how the market changes. Let’s have a real conversation about whether an ARM makes sense for your unique situation and how it fits into your overall financial picture.
At Choice One Community Credit Union, we’re committed to helping more people in our community achieve the dream of owning a home. That’s why we offer FHA Mortgage Loans. Backed by the government, these loans often have more flexible credit guidelines and require a smaller down payment, which can be a real help, especially for first-time buyers. Let us guide you through the ins and outs of FHA loans and help you find the key to your new front door.
We deeply appreciate the sacrifices made by our veterans, active-duty military, and their families. As a small way to show our gratitude, Choice One Community Credit Union proudly offers VA Mortgage Loans. These loans often come with incredible benefits, like no down payment and no private mortgage insurance. If you’ve served our country, let’s explore how we can help you secure the home you deserve with terms that truly honor your service.
Here in Pennsylvania, we’re proud to partner with the Pennsylvania Housing Finance Agency (PHFA) to make homeownership more accessible for our neighbors. PHFA loans, offered through Choice One Community Credit Union, often include helpful options for down payment and closing cost assistance, along with competitive rates. If you’re a first-time buyer or meet specific requirements here in the state, let’s see how a PHFA loan can open up the possibilities of owning your own home.
If you’re drawn to the peace and quiet of a more rural setting, Choice One Community Credit Union can help make that dream a reality with USDA Rural Development Loans. These loans are specifically designed to assist eligible families in purchasing homes in designated rural areas, often with no down payment needed and flexible credit terms. Let’s explore if a USDA loan can help you find your perfect spot in the countryside.
Ready to build the home you’ve always envisioned, exactly the way you want it? Choice One Community Credit Union offers Construction Loans to help you finance each step of the building process. Think of it as a short-term loan that covers the costs as your dream home takes shape, and then it typically transitions into a permanent mortgage. Our experienced team can help you navigate the details of construction financing and make the journey to your custom-built home a smooth one.
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About Choice One
We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!
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