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Home Mortgage Loans

Home Mortgage Loans

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Take advantage of our 0.25% rate discount to save.

Plus, we’ve eliminated our $500 origination fee.

When you’re buying a home, Choice One can help you get from application to ownership. Whether you’re purchasing your first home or looking to refinance your existing mortgage, you’ll benefit from Choice One’s competitive mortgage rates and low closing costs. Choosing the right mortgage lender matters, so make the right choice! We can help make your home mortgage experience hassle-free.

Want to speak to a Choice One mortgage lender about the best loan for your needs? Call or visit any Choice One branch location.

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Benefits of Choice One Mortgages

  • Low Fixed Rates
  • Finance Up to 95% LTV (Loan To Value)
  • No-Points Program Available
  • Up To 30 Year Terms
  • Low Closing Costs
  • Less Paperwork For Faster Closings
  • FHA Mortgages Available With As Little as 3.5% down
  • Interest Is Usually Tax-deductible***

***Check with your tax advisor. Mortgage tax-deductible interest eligibility depends on your specific tax situation. Most members qualify.

Home Mortgage Rates from $50,000 to $510,400

Effective Date 12/01/2020
Rates Shown Include 0.25% Promo Discount and are Subject to Change
Interest Rate APR* Info and/or Terms
As low as 2.750% As low as 2.786%* 30 Yr Fixed - 0 Points
As low as 2.750% As low as 2.801%* 20 Yr Fixed - 0 Points
As low as 2.625% As low as 2.691%* 15 Yr Fixed - 0 Points
As low as 2.625% As low as 2.721%* 10 Yr Fixed - 0 Points
As low as 4.000% As low as 2.932%* 3/1 Yr ARM - 0 Points
As low as 2.875% As low as 2.722%* 5/1 Yr ARM - 0 Points
As low as 3.125% As low as 2.869%* 7/1 Yr ARM - 0 Points
As low as 3.125% As low as 2.948%* 10/1 Yr ARM - 0 Points

Home Mortgage Rates Greater than $510,400

APR* Info and/or Terms
Effective Date 04/02/2020
Rates Subject to Change
Call For Rates 30 Yr Fixed
Call for Rates 15 Yr Fixed
Call for Rates 3/1 Yr ARM
Call for Rates 5/1 Yr ARM

FHA/VA Loan Rates

Effective Date 12/01/2020
Rates Subject to Change
Interest Rate APR* Info and/or Terms
As low as 2.625% As low as 3.678%* 30 Yr Fixed - 0 Points
As low as 3.625% As low as 5.120%* 15 Yr Fixed - 1.625 Points
As low as 2.750% As low as 3.804%* 203K 30 Yr - 0 Points

Mortgage Calculator

Want to get an idea of what your mortgage will cost? We have a calculator that can help you find out! Enter your information and get approximate payments on your mortgage. You can compare different loan terms, interest rates, and products that we have. We even offer an estimate on your closing costs! Check it out here!

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Mortgage Refinance

Refinance & Save!

Wish your mortgage had a lower interest rate? Looking for a lower monthly mortgage payment or shorter term on your home loan? If the answer is yes, refinancing may be right for you. By refinancing the existing mortgage you have with another lender with Choice One, you may be able to save big. With our lower interest rates, you could reduce your monthly payment and save money instantly or reduce the total of amount of interest you pay with a shorter term. Call or stop by the credit union to see how much you could start saving today.

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Apply Today

You can depend on your credit union’s experience to guide you step-by-step through the entire mortgage process. Stop by the credit union to get started or you can apply online. Have questions about refinancing? Call or visit a branch location today.  We’ll get you started on a home refinance plan to help meet your goals!

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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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