Mortgage
Our Mortgage Consultants use their experience and knowledge to guide you through the home buying process.
Loans... what we do best!
Whether you're buying a brand new home or something with a bit of age and character, you want a sturdy place that can stand the test of time. The same goes for your mortgage. At JSSB, our experienced lending team will guide you to an affordable loan that you can comfortably live with for years to come.
You can Call, Click, or Come In to start this process. If you would like to begin the pre-approval process online, go to apply.jssb.com.
Phone: 570-320-2015
Jersey Shore State Bank is a full-service financial institution headquartered in Williamsport and serving customers in Central and Northeast Pennsylvania.
Conventional Mortgage - Minimal down payments with fixed rate financing.
- Fixed rates, longer term financing with minimum down payment options.
USDA - RHS 100% financing.
- Competitive market rates.
- Financing for some or all closing costs.
- No down payment required.
- Government backed loans may have specific geographical limitations, family status, income, purchase price limits, and/or property requirements.
PHFA Mortgage - First-time & non first-time homebuyer options.
- Minimum down payment requirements.
- Below market fixed rates.
- Some programs provide down payment and/or closing cost assistance.
- Available to first time and non-first time homebuyers.
- Government backed loans may have specific geographical limitations, family status, income, purchase price limits, and/or property requirements.
VA Mortgage - Proudly serving our Veterans with no down payment required.
- Eligible Veterans have no down payment requirements.
- Refinance options available.
- Government backed loans may have specific geographical limitations, family status, income, purchase price limits, and/or property requirements.
FHA Mortgage - Minimum down payments and modest credit requirements.
- Minimum cash down payment requirements.
- Insured by the Federal Housing Administration (FHA).
- Government backed loans may require certain geographical, family status, income, purchase price limits, and/or property requirements.
Construction Mortgages - Build your home with one close option.
- Single or two close loans.
- Bridge & Blanket Loan
- Temporary financing to help purchase your new home before you sell your current home
- Options tailored to meet your needs
Non-Conforming - Accommodating & unique options.
- An option when your mortgage does not meet the guidelines of government sponsored enterprise.
Jumbo Loans - Financing for higher loan amounts.
- Applies to Pennsylvania mortgages over $647,200 (over $970,800 in Pike County)
- Financing for primary, secondary or vacation homes
- Competitive rates
- Refinancing options available
- Financing for your exclusive property.
- Custom Portfolio Options
- Mortgage options to meet your unique situation
- Options available to keep mortgage local
Bridge Loan Options - Buying a home before your current home is sold.
- Short-term loan used until an existing obligation is removed.
Your Home Loan Toolkit
The "Your Home Loan Toolkit" booklet, produced by the Consumer Financial Protection Bureau (CFPB), is a great step-by-step guide to help you on your path of owning a home.
Your Home Loan Tool Kit
Calculators
Whatever you're borrowing for, it's good to run the numbers and figure out how the payments are going to affect your budget.
