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If you are interested in purchasing a new home or refinancing, we can help.  We have a variety of first mortgage rates and terms available, including both fixed and adjustable rate loans.

Our lending area includes Hancock, Brooke, Ohio, and Marshall Counties in West Virginia, Jefferson, Columbiana, Belmont, and Harrison Counties in Ohio, and Allegheny, Beaver, and Washington Counties in Pennsylvania.

Membership eligibility is required. Please refer to Member Information. For more membership information click on the following link:  Membership

Single Family/ Owner Occupied

PLEASE CALL FOR RATES ON ADJUSTABLE RATE LOANS

FIXED RATE LOANS

* The above monthly payments and APRs are based on a purchase price of $70,000.00, a 20% down payment of $14,000.00, and a loan amount of $56,000.00.  Stated rates are subject to change at any time.

Other Fixed and Adjustable rates, terms and points are available

Up to 95% financing available to qualified borrowers for both fixed and adjustable rate first mortgage loans.  Private mortgage insurance is required on all first mortgage loans with greater than 80% financing.  Private mortgage insurance premiums will increase the stated APR and monthly payment amount.
**Add .375 to any above stated rate for loan amounts greater than $417,000.00

Up to 80% financing is available for new home construction at the rates, terms, and points stated above.

Home Equity Line of Credit is Here with a Great Rate!

Build Your Dreams With The Equity From Your House

*Rate effective September 1, 2011.  No closing costs on approved credit limits of $10,000 or more.  If less than $10,000, closing costs may range between $100 - $400.   If you modify an existing First Choice America Home Equity Line of Credit loan, you may be charged a loan modification fee, not to exceed $195.  The initial interest rate is 2.49% through April 1, 2014  and thereafter may adjust on the first of every month to the current prime rate plus .50% as published in the Wall Street Journal (as of 12-16-08, 3.25% + .50 = 3.75%).  Beginning April 1, 2014, the APR will never be less than 4.00%. Maximum APR 18%. Minimum credit line $5,000. Maximum term is 20 years.  Annual fee $35.  Over limit fee $25.  Property insurance required. Consult your tax advisor about interest deductibility.  All loans subject to credit approval.  Limited time offer.  Federally insured by NCUA.  Equal Housing Lender

Contact our Mortgage/Home Equity Department toll free at 
1-800-427-4835 or email us at Mortgage Department

Rates are effective August 19, 2011
Rates Subject to Change Daily

Apply online today for your loan here:  First Choice America Loan Application

*All loans are subject to credit approval.

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