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Trust ENB for Your Homebuying Needs

At ENB, we empower first-time homebuyers to make the best decisions for them. From down payment assistance to finding the best home loan rates, we are here to answer your questions and guide you to the home of your dreams.

FREE First-Time
Homebuyer Course

Ready to buy your first home? Join us for a free one-day course designed to give you the tools, knowledge, and certification you need to take the next step. Complete the course to receive a Pennsylvania Housing Finance Agency certification and qualify for down payment assistance through Neighborhood Housing Services of Greater Berks County.

Date: Saturday, April 12
Time: 9:00 am – 4:30 pm
Location: Tec Centro, 57 Laurel Street, Lancaster, PA 17603
Cost: Free (includes breakfast and lunch)

English and Spanish sessions available

RSVP TODAY >

Seats are limited – reserve your spot today!

Take the First Step With Us

Buying a home is an exciting journey that can help you build a strong financial foundation for generations to come. There is much to consider, but with the right support, it’s a path you can navigate with confidence.

First-Time Homebuyer?
Follow These 5 Tips.

If you’re ready to buy your first home, these tips can make the process easier.

Read Article

Closing Costs Explained: How to Budget for Your First Home.

Navigating closing costs as a first-time homebuyer? Our guide breaks down the essentials for a smooth home purchase!

Read Article

Pre-Qualified? Preapproved*?
What’s the Difference?

Getting a pre-qualification or preapproval before you start house hunting is a wise move. Know the difference between these commonly confused terms.

View Infographic

*ENB does not offer preapproval at this time

Meet Our Lending Team

At ENB, we’ve been building communities throughout Lancaster County for over 140 years. We’re here to offer free educational resources and provide trusted guidance at every step along your homebuying journey.

Hakim A. Singleton

VP, Urban Lending Marketing Officer
NMLS #440468

 

Learn More

Stacy C. Carcel

Mortgage Relationship Specialist
NMLS #1537162

 

Learn More

Michael D. Cook

Mortgage Expert and Loan Officer
NMLS #829623

 

Learn More

The Ultimate Guide for First-Time Homebuyers

Learn everything you need to know before you buy your first home, including:

  • Getting your financial house in order (includes a handy worksheet)
  • Anticipating the costs of buying a home
  • Exploring financing options and programs
  • Choosing a real estate agent
  • Understanding closing costs and more

Remember: You’re never alone in this process! Our team is happy to provide personalized assistance at any point.

DOWNLOAD OUR GUIDE

Michael and Stacy made buying my home simple and as stress free as possible. They were beyond patient and very willing to explain things in greater detail, so I knew exactly what I was getting myself into. I would recommend them to anyone considering this journey!

Kaitlynn S.

After a bad lender experience, my realtor connected me with Michael D. Cook—best decision ever! He and Stacy made my first home-buying process smooth and stress-free. Now, I’m enjoying my beautiful new home. If you’re ready to buy, go to Ephrata National Bank and ask for Michael—you won’t regret it!

Gisela G.

Michael Cook and Stacey Carcel did a great job handling our mortgage and loan, would definitely recommend them!

Jared B.

Michael and Stacy are the dream team! After other lenders denied me, Michael assured me I’d become a homeowner. Their expertise and support made the process stress-free, and I’ll recommend them to everyone I know!

Bahiya T.

As first-time homeowners, buying a house felt both exciting and overwhelming. Thankfully, ENB guided us through every step of the process. They took the time to explain everything clearly, helping us make an informed and confident financial decision with our purchase. We never felt like just another client—instead, they treated us with genuine care, listened to our needs, and were always available to answer our questions or address any concerns.

Adam and Megan K.

Working with ENB was a great experience! They helped us navigate the homebuying process and were quick to answer our questions. We learned a lot about what a wise purchase looks like based on our needs and budget. Thank you, ENB!

Rachel and Jamie M.

ENB made buying my first home easy and stress-free. They were always available to answer my questions and guided me through every step of the process. I felt confident with their support and I am now a proud first-time homeowner!

Nicholas U.

Ready to Get Started?

Connect With Our Team

Send us a message and we’ll get in touch shortly.

 

Contact

Call Us

(717) 721-5236

 

Call

Schedule a Time to Talk

Choose a day and time that works for you.

 

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