Whether you want to purchase a home, build or refinance, Ephrata National Bank can help. Our Mortgage Experts will listen to your needs and recommend a mortgage that works best for you. They will also guide you through the entire application process, making it simple and hassle free.  We think you’ll like our rates too.

Fixed-Rate Mortgage Loans

Typically referred to as a “traditional mortgage”, this is the most common mortgage used for purchasing a home. The interest rate and payment stay the same for the life of your home loan. It is a great option for borrowers who desire predictability.

  • 15-year, 20-year, and 30-year term options available
  • Down payment options as low as 5%
  • 3% minimum down payment available for first time home buyers
  • Local underwriting on select mortgage loans
  • Also available for land purchases

Adjustable-Rate Mortgage (ARM)

Adjustable rate mortgage loans have interest rates that change during the life of the loan.  ENB offers ARMs with an initial interest rate that is fixed for a period of 3, 5, 7 or 10 years.  Borrowers benefit as this rate is typically lower than a fixed-rate mortgage.  After the fixed-rate period expires, the interest rate adjusts annually.  For example our 5/1 ARM will have a fixed rate for the first 5 years.  It will then adjust annually for the remaining 25 years of the mortgage.

  • 3/1, 5/1, 7/1 and 10/1 options available
  • Down payment options as low as 5%
  • Local underwriting on select products

Other Mortgage Services and Loans Available:

  • Construction Loans:ENB also offers construction loans for individuals and families looking to build a home.
  • Bridge Loans: A short term loan that provides the funds needed for a down payment on your new home while you sell your current home. When your current home is sold, the funds are used to pay off the bridge loan.
  • Real Estate Investment Loans: We can help you with purchasing an investment property.

To learn more about ENB Mortgage Loans and our local mortgage rates, visit our Mortgage Services Resource Center, call us at (877) 773-6605 or contact us online. We will also be happy to perform a no-cost pre-qualification.