Conventional Mortgage at Investment Savings Bank

Conventional Mortgages – Altoona, PA & Duncansville, PA

Fixed or Variable Rate Conventional Mortgages from ISB

Investment Savings Bank offices in Altoona and Duncansville offer conventional mortgages. Discover the benefits that continue beyond the closing, by speaking with one of our banking professionals.

Availability:

Mortgage Loans are available to any person 18 years or older. Subject to our Lending Policy and Residential Loan Underwriting Standards.

Specific Types of Credit:

  • First Time Homebuyer Loans
  • Single-family owner occupied residences or Second Home
  • Rental Properties
  • Refinance
  • Construction

Escrows:

Are optional at the bank’s discretion for all assessments due to property taxes and hazard insurance, and where applicable, required for flood insurance and private mortgage insurance.

Pre-qualifications:

FREE - Available upon request from any mortgage loan department employee.

Application:

May be made by phone, FAX, mail, or in person.

Term:

Five to thirty years

Down Payment: 

  • Fixed rate mortgage 5%, subject to Private Mortgage Insurance approval.
  • Adjustable rate mortgage 5%, subject to Private Mortgage Insurance approval.

Maximum: 

97% LTV subject to Private Mortgage Insurance Approval for Non-Conforming Mortgages only.

Counties Served:

Primarily but not limited to Blair, Bedford, Cambria, Centre, Clearfield, Huntingdon counties. 

See Mortgage Loan Rates Below >

Conventional Mortgages in Central PA from Investment Savings Bank

Conventional mortgage loans are available in Central Pennsylvania from Investment Savings Bank. ISB mortgage lenders offer both fixed rate and adjustable rate mortgage loans for purchases, construction and refinancing existing mortgage loans. All ISB loan approval decisions are made in Altoona, and all our loans are serviced here as well. That means that locally oriented ISB-ers are reviewing, and servicing your mortgage loan from the very first inquiry up to your last payment.

First-time homebuyers or existing experienced homebuyers can rely on ISB’s lending department for the knowledge to guide them through the entire home purchase process. ISB’s mortgages are not only for purchases and construction of a primary residence, but also second homes or rental property real estate. ISB mortgages are also for debt consolidation, vacations, home improvement & repairs, educational expense or to potentially lower the interest rate you currently pay for your mortgage. Certain real estate related expenses, such as flood insurance or private mortgage insurance (if either is required) must be escrowed by ISB as part of your mortgage payment.

ISB Makes Applying for a Conventional Mortgage Convenient for You

When you’re searching for that new home and need to know what amount you can afford to borrow and qualify for a mortgage, what costs you will incur, just let our knowledgeable staff in our lending department help guide you through the process. All ISB loan decisions are made locally and we service all the mortgage loans we make – you do your mortgage business with ISB, even after you close.

Just visit our Altoona or Duncansville office, or contact us by phone, or email, anyway – we’ll move you in the right direction.

Conventional Mortgage Loan Rates

TERM IN MONTHSINTEREST RATEANNUAL PERCENTAGE RATEPOINTSMONTHLY PAYMENT per $1,000
15 Years Fixed3.750%3.830% (1)(2)0.00$7.27
20 Years Fixed4.125%4.188% (1)(2)0.00$6.13
30 Years Fixed4.375%4.421% (1)(2)0.00$4.99

Payment does not include amounts for insurance and taxes. Actual payment obligation will be greater.
(1) APR based on $75,000 loan amount. The actual APR may vary.
(2) With 20% Down (NOTE: Lower Down Payment Loan Programs Available)
***These rates are for informational purposes and are subject to change at any time***
***Special Rules and Restrictions Apply***
***Private Mortgage Insurance required if the loan-to-value exceeds 80%***
***Adjustable Rate Mortgages Rates***

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Altoona Office
1201 8th Avenue
Altoona, PA 16602
Phone: (814) 944-0843
Fax: (814) 942-6821
Email: click here

Lobby Hours
MON-FRI: 9am - 4:30pm

Drive Up Hours
MON-THU: 8:30am - 5pm
FRI: 8:30am - 6pm
SAT: 9am - 12pm

Holiday Hours

Duncansville Office
201 Patchway Road
Duncansville, PA 16635
Phone: (814) 695-7551
Fax: (814) 695-1369
Email: click here

Lobby Hours
MON-FRI: 9am - 5pm

Drive Up Hours
MON-THU: 9am - 5pm
FRI: 9am - 6pm
SAT: 9am - 12pm

Holiday Hours

After Hours
To report a lost or stolen debit card
after business hours, please call
1-800-554-8969.

To report a lost or stolen credit card
after business hours, please call
1-800-325-3678.

For credit card balance inquiries
after business hours, please call
1-800-299-9842.

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