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Mortgages

Mortgages

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Mortgages & Refinancing

Whether you’re buying your first home or looking to refinance your existing mortgage, Choice One has the loan to fit your needs. We’ll work with you to find a payment that fits your budget. Buying or refinancing your home is a big decision and choosing the right lender matters, so make the right choice!

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*

There is no better time to buy a new home. Today’s incredibly low rates can make home ownership more affordable than renting. Whether you’re a first time buyer or want to downsize, purchase a second home, or upgrade to a larger home, our low rates and flexible payment terms can help you get the new home you want.

Conventional Mortgage Rates

Adjustable Rate Mortgage Rates

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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View Rates

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!

Apply for a Loan

View our National Mortgage Licensing System and Registry IDs

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

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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