Home purchase mortgage
Our knowledgeable Mortgage Advisors can help you select the best mortgage option to fit your needs.
Home Purchase Mortgage
PFFCU, a trusted mortgage lender, works exclusively for YOU! There are no high-pressure sales tactics, and the approval process is fast and easy.
Why We Are The Best Mortgage Lender:
- You will enjoy the highest level of Service, Value, Convenience, and Trust.
- We survey everyone who gets a home purchase mortgage loan. 90% of surveyed members rated PFFCU as Exceptional or Superior in the overall Real Estate experience.
- You will save money with PFFCU because there is no application fee and our closing costs are among the lowest in Philadelphia, Bucks County and Montgomery County, PA and in Mt. Laurel, Cherry Hill and Washington Township, NJ.
- We offer a pre-approved Mortgage Loan Commitment that you can take to your realtor to demonstrate that you are a serious buyer. Our pre-approval will make your loan processing quicker so you can close your loan faster.
- Our experienced Mortgage Advisors provide the best personal guidance to help you get the best loan that is right for you.
If you prefer, you can call 800-486-9592 and ask to speak to a Mortgage Advisor to apply by phone or to schedule a personal appointment.
PFFCU has been a trusted mortgage lender since 1938.
Available with terms of 10, 15, 20, and 30 years, a fixed rate home purchase mortgage is best for you if you want a consistent monthly payment or you plan to stay in your home for a long period of time.
ARMs offer lower initial rates than fixed-rate home purchase mortgages, resulting in lower monthly payments that are especially attractive to first-time home buyers and home owners looking to buy a larger home. PFFCU offers adjustable-rate mortgages with 30-year terms where the initial APR and payment are fixed for the first 5 or 7 years, then convert to an adjustable rate, which may change annually.
No PMI Mortgage
If you have less than a 20% down payment, consider this option as a cost-effective way to avoid Private Mortgage Insurance. You may enjoy lower monthly payments, as well as a tax deduction for the interest paid (check with your tax advisor for more details).
First Time Home Buyer Mortgage
If you are a new home buyer who can t afford a large down payment but would otherwise qualify for a mortgage, our First Time Home Buyer Mortgage may be ideal for you. With as little as a 3% down payment, you can buy your first home.
If you already have an Agreement of Sale:
Trust your PFFCU mortgage lending team to handle your new home purchase with a fast and efficient process to give you peace of mind through closing.
If you do not yet have an Agreement of Sale:
- Request your valuable PFFCU Mortgage Pre-Approval before you visit a real estate agent, begin shopping for a home or speak with any other financial institution or lender.
- Our expert Mortgage Advisors will guide you through the process and help you choose the mortgage that best meets your needs.
- A mortgage pre-approval qualifies you for a $250 discount coupon, that can be redeemed when you close your mortgage with PFFCU.
After you fill out our online worksheet, we will call you within one business day. We can provide you with your pre-approval within as little as three hours after we contact you, so you can start looking for your dream home sooner.
PFFCU New Home Purchase Personalized Service
For Personalized Service, apply by phone or schedule a personal appointment for your new home purchase mortgage six-days-a-week by contacting our Call Center at 800-486-9592 and one of our knowledgeable Mortgage Advisors can guide you through your new home purchase mortgage application process.
Or, visit any of our conveniently located branches in Philadelphia, Bucks County, Montgomery County, PA and NJ for your home purchase mortgage needs. Members in Washington Township, NJ area can stop by our branch on Route 42. Members in the Mt. Laurel, Cherry Hill area can stop by our branch on Lenola Road across from the Moorestown Mall.
Already Have a Mortgage Elsewhere?
Refinance with the best mortgage lender—PFFCU and save. Find out more about mortgage refinance in Bucks County PA, Montgomery County PA, Philadelphia PA, and mortgage refinance in Mt. Laurel, Cherry Hill and Washington Township NJ.
Call Us with Questions
If you have questions or want to apply for a loan over the phone please call us at 800-486-9592.
ABA Routing #236084285
Police and Fire Federal Credit Union
901 Arch Street, Philadelphia, PA 19107
©2017 Police and Fire Federal Credit Union.