Mortgage Lenders in Laureldale, PA

Are you caught somewhere between contemplation of moving and obsessed with a specific home? You can be sure that you won’t be spending cash. Whether it’s your first home, a vacation property, or an investment for rental, you’ll need to consider products from the best mortgage lenders in Laureldale, PA, Bellco Federal Credit Union.

Shop Smart

Just as you shouldn’t buy the first house you tour without looking at any others, you also shouldn’t go with the first lender you encounter without comparison shopping. This process should include a consideration of the terms, fees, rates, and even the customer support available with the institution.

Bellco Federal Credit Union is able to provide flexibility in terms, better rates than the competition, and constant courtesy and available communication. Our goal is to help our members, not shareholders. That means that when our members finance a home loan, they secure the best deal possible.

Shop Easy

The house hunt can be hard. That’s why homebuyers often hire the services of a real estate broker. For the same reason, some mortgage seekers use a mortgage broker. This professional, for a small fee, will work through the available loan products and help you find the one that’s best for you. At Bellco FCU, we’re on the side of our members. We determine approvals and process loans locally and will look out for your best interests instead of trying to make a buck from your purchase.

Shop Early

A mortgage pre-approval, in hand, will give you confidence and guidelines. You’ll be able to clearly see which loan product is the best and have a clear idea of the home cost to include in your budget.

To apply for a pre-approval, you should be prepared to provide several items of documentation:

  • Proof of identification

  • Social security numbers

  • Pay stubs

  • Tax returns

  • Bank statements

  • Proof of all accounts

  • Employment information

It’s important to remember that having a pre-approval does not mean you have a final approval. If your income, credit, or debt-to-credit ratio should change, the terms of the home loan package will change as well.

Another item of note is to carefully consider any credits given to help you avoid a down payment. They could seem helpful at the time but also result in higher rates on the loan.

Shop with Bellco Federal Credit Union

The employees of Bell Telephone collectively began a credit union in 1938. The goal was to help one another to finance the large ticket items they couldn’t otherwise afford. The tradition continues with Bellco FCU.

We’re a non-profit organization, owned by our members. We concentrate on passing savings on to our members/owners, unlike banks that exist to profit shareholders. We’re known for providing our members all the financial products and services you’d find at a local bank, but with better terms, more flexibility, local decisions/processing, and courtesy, constantly.

Become a member of Bellco FCU easily with a small deposit so long as you live, work, worship, or attend school in Berks County, PA. You’re also eligible for membership if an immediate family member is already a Bellco FCU member.

We’re happy to provide all of the following home loan products:

  • Fixed-Rate Mortgage

  • Adjustable-Rate Mortgage

  • USDA Rural Housing Loans

  • FHA Loans

  • VA Loans

  • First-Time Homebuyer Specials

  • Construction Loans

Shopping around with various mortgage lenders to buy a home in Laureldale, PA, pays off, but due diligence will lead to Bellco Federal Credit Union.