Mortgages

ESSA Mortgage Center

Step by step mortgage guidance, so you feel right at home.

For many, buying a home is the single most significant financial step of a lifetime. Whether you’re a first time home buyer, moving on to a bigger home, or using your equity to refinance an existing home loan, we can help.

Mortgage Loan Options

We know that your home is the center of your activities, life and family. That’s why at ESSA, we strive to give you the options and tools you need for healthy home finances.

Apply Now
Mixed Race Young Family Looking At Beautiful New Home.
Conventional Mortgage

Buying a home? Our conventional mortgage features competitive rates and terms designed to make homeownership accessible. We offer both fixed-rate and adjustable-rate mortgages to best meet your needs. This program provides flexible down payment options, competitive interest rates tailored to your financial situation, and personalized service from our experienced lending team to guide you through every step of the process.

Close up focus on keys in hands of blurred joyful young loving african american married couple. Sincere mixed race homeowners celebrating purchasing own flat, feeling excited of renting new dwelling.
First Time Home Buyer Program

Our First Time Home Buyer* Mortgage Program offers competitive rates and a great mix of special services for those that qualify. This program features low down payments, a waived processing fee, and $100 deposited into a new ESSA Bank savings account. Full seller’s assist is permitted, no Private Mortgage Insurance (PMI) is required, and qualifying buyers automatically prequalify for an ESSA Bank Credit Card.

First Responders Mortgage

Our First Responders Mortgage Program is offered to Volunteer and Paid Firefighters, EMTs, Paramedics and Police Enforcement Officers towards the purchase or refinance of a single family home. This program features no application and processing fee, offers a credit towards closing costs, and provides fixed-rate mortgage options.

Construction Loans

If you’re financing the construction of a home or purchasing a new home already under construction, we offer financial solutions designed specifically for this purpose. We also offer other borrowing options from which to choose, including minimum down payment, a one-time closing option, no PMI option, and fixed rate or variable rate conventional mortgages.

Mortgages. Mother With Children Riding Scooters On Driveway At Home
Neighborhood Home Loan

We believe everyone deserves a chance at homeownership. Our Neighborhood Home Loan program offers flexible financing solutions with no closing costs, no PMI, and low down payments, making it easier for families in our community to purchase their first home.

“Open Your Door” Mortgage Program

We’re committed to strengthening our communities by making homeownership more accessible. Through our “Open Your Door” Mortgage Program, eligible homebuyers can receive lender credits for closing costs and down payment assistance when purchasing or refinancing a home in designated majority-minority neighborhoods.

*All loans are subject to approval. Fees may apply. A first time home buyer is defined as a borrower who has not been on a deed containing a dwelling in the past three years or who has not owned a home as a single person.

ESSA Bank takes pride in the experience and expertise of our mortgage lenders. The Nationwide Mortgage Licensing System Registry gives you access to a free service to confirm that the mortgage company or mortgage professional employed by us is authorized and licensed to conduct mortgage business. Access this information by clicking here. NMLS#410748

ESSA Bank appreciates the opportunity to be your financial partner.

You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-567-8688. For more information, click here.

ESSA Solution Center

Need support?

Get connected with the help you need by phone, text, email or live chat.