Home Mortgage Loans

Buying a home is exciting, but it can also be stressful. The right mortgage should make the process clearer, not more complicated. At Choice One, we help finance home purchases and refinances with straightforward guidance, competitive pricing, and a local team that’s here when you have questions. Whether you’re a first-time buyer or you’ve been through this before, we’ll help you choose a loan structure that fits your budget and your timeline.

Every borrower is different. That’s why we offer a range of home loan options, including:

• Conventional fixed-rate mortgages for predictable payments
• Adjustable-rate mortgages for flexibility (when it makes sense)
• FHA, VA, PHFA, and USDA options (for qualified borrowers)
• Construction loans for building or major renovations

Already own a home? We can also help you explore refinancing, including options that may lower your payment, shorten your term, or support a cash-out refinance when appropriate.

A mortgage is a long-term decision. Here’s what NEPA community members appreciate when they work with our team:

• Clear explanations (no mystery math, no rushed decisions)
• Low closing cost focus and a process designed to stay on track
• Local guidance from Mortgage Advisors who understand our market
• A smoother experience from pre-approval through closing

You don’t need to have every detail figured out to begin. Most start in one of three ways:

1. View today’s mortgage rates: Use the “View Mortgage Rates” button to see current options and compare terms.
2. Apply online securely: Ready to move? Use “Apply for a Mortgage” to begin the secure online application.
3. Ask for a quick conversation: Not sure what type of loan fits? That’s normal. Use the contact form below, and we’ll help you sort through mortgage types, term choices, and what to expect next.

View our National Mortgage Licensing System and Registry IDs

Expert Advice