1st Time Homebuyer

First-Time Homebuyer Program - Altoona, PA & Duncansville, PA

ISB Offers First-Time Homebuyer Loans

If you are new to real estate and looking to purchase a first home of your own, contact the lending professionals at ISB. Investment Savings Bank participates in the first-time homebuyer program to make funds available for first mortgages.

Availability:

First Time Homebuyer Loans are available to First Time homebuyers (no ownership in a principal residence during a three-year period prior to purchase of a principal residence) or a Displaced Homeowner. Subject to our Lending Policy and Residential Underwriting Standards.

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 Personnel.

Application:

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

Term:

One to thirty years

Down Payment and Closing Costs:

  • Minimum of 3% subject to Private Mortgage Insurance approval
  • Reduced Closing Costs

Maximum Amount:

85% appraised value or purchase price (whichever is lower) with higher loan-to-value ratios available up to 97% subject to private mortgage insurance underwriting and approval.

Counties Served:

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

First Time Homebuyer Program in Central PA from Investment Savings Bank

If you are a first-time homebuyer in Central PA, or have not had ownership of a principal residence for over three years, or are a displaced homeowner, talk with us at Investment Savings Bank. ISB offers a first-time homebuyer program that may help you obtain a home.

ISB Makes It Happen for First Time Homebuyers in Central PA

First time homebuyer loans are subject to our Lending Policy and Residential Underwriting Standards, with terms of up to 30 years. Escrow is optional at the Bank’s discretion for all assessments due to property taxes and hazard insurance, and where applicable required for flood, and private mortgage insurance. To apply, you can request an application from any loan department employee. Make application by phone, fax, or mail it in to us.

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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