Home Loans

We offer a variety of first and second mortgage lending options with competitive rates and flexible terms. We can help you select the best financing option for your individual needs. Real estate loan services are available for individuals residing in the states of Pennsylvania and New Jersey.

First Mortgages
Conventional long-term, fixed-rate mortgages or hybrid adjustable-rate mortgages.

Visit our online Mortgage Center to learn more, check rates or apply.

Need guidance on the road to home ownership? Visit BALANCE for financial education information.

Introductory Rate Home Equity Line of Credit
A line of credit with a low, fixed rate for the first three years, variable thereafter.

• Payments are 1.1% of the outstanding balance
• Borrow up to 90% of your home's equity
• No application or closing fees
• Maximum term of 180 months
  
  View Rates     Protect Your Loan     Apply Now
  

Traditional Home Equity Line of Credit
A flexible, variable-rate line of credit that can be used for any purpose, including overdraft protection on First Commonwealth checking accounts.

• Affordable payment tiers based on outstanding balance
• Borrow up to 90% of your home's value
• No application or closing fees
• Maximum term of 180 months
• Low variable rate
  
  View Rates     Protect Your Loan     Apply Now

Fixed-Rate Home Equity Loans
Use the equity in your home to purchase a vehicle, consolidate debt, improve your home or go on a dream vacation. These loans have fixed monthly payments and flexible terms. 

• Terms of 5, 10, 15 and 20 years available
• Borrow up to 80% or 90% of your home's value
• No application or closing fees
  
   Loan Calculator     View Rates     Protect Your Loan     Apply Now

Current borrowers: Verify your insurance online.

Have a question? Email a real estate loan counselor

Sign-Up for Rate Alert
Home Equity Line of Credit11.01.09
	Loan to Value	APR
3-Year fixed-rate introductory period1	up to 90%	4.99%
Variable rate2	up to 90%	4.00 (as low as)
1The rate for this loan, after the introductory period, are based on the applicant's credit score at the time of application. 2The rate for this loan type, after the introductory period, are based on an evaluation of applicant credit. The minimum interest rate for a Home Equity Line of Credit is the Prime Rate, minus a margin, with a floor as low as 4% and maximum ceiling of 15%.

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Home Equity Loan11.01.09
Term	Loan to Value	Rate (as low as)	APR (no fees)1
5 Years	up to 80%	5.99%	5.99%
	up to 90%	6.99%	6.99%
10 Years	up to 80%	6.49%	6.49%
	up to 90%	7.49%	7.49%
15 Years	up to 80%	6.99%	6.99%
	up to 90%	7.99%	7.99%
20 Years	up to 80%	7.49%	7.49%
	up to 90%	8.49%	8.49%
1All APR calculations on Home Equity Loans are based on a $20,000 loan. The rates for this loan type are based on an evaluation of applicant credit.