Mortgage options

Choose your mortgage type

Everence Federal Credit Union offers adjustable-rate and fixed-rate mortgages to serve your needs, with terms up to 30 years.

Adjustable-rate mortgages

  • Low closing costs
  • Borrow up to 90% of the value of the property
  • 5/1, 5/5, 7/1 and 10/10 adjustable-rate mortgage rates are indexed from Wall Street Journal Prime
  • Property types
    We work with conforming, nonconforming and nonconventional properties
  • Flexible underwriting
    We understand that each borrower and every loan is unique
  • Stated assets
    For most requests, we do not verify assets other than the value of the property
  • No credit score
    We use many forms of nontraditional credit references
  • Servicing
    Everence Federal Credit Union does its own loan servicing, which allows for flexibility in term, payment options and other factors
  • Insurance requirements
    We accept all forms of Amish Aid and Mutual Aid policies

Fixed-rate mortgages

  • Borrow up to 80% of the value of the property
  • Ideal for conventional properties or small residential investment properties
  • Competitively priced conventional interest rate products
  • Standardized residential mortgage documents and underwriting criteria allow for broader financial options
  • No pre-payment penalties
  • Taxes and insurance can be included in mortgage payment through an escrow account
  • Modular homes accepted
  • Unique options possible for each loan


Mortgage rates

Mortgage rates As low as1
5/1 ARM 3.250%
5/5 ARM 3.750%
7/1 ARM 3.750%
10/10 ARM 4.250%
 15 year fixed-rate mortgage 3.250%
 30 year fixed-rate mortgage 3.875%

Apply for a mortgage

You can apply online for a fixed-rate or adjustable-rate mortgage.

Apply online Check loan status

Visit or call your local office for more information and assistance with selecting the right type of mortgage for you.

Everence Federal Credit Union

2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Call or text: 800-451-5719
F: 717-735-8331

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Find an Everence Federal Credit Union near you.


Calculate what your monthly payments may look like

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.


 Everence Federal Credit Union, NMLS #403410

Real estate loan rate: not quoted as APR; discount points and closing costs may be applicable. All rates are subject to credit score, loan program, loan-to-value ratio and property type.