*Additional Terms and Conditions:
All loans subject to credit review and approval. Various fixed and variable rate home loan products, term lengths and Annual Percentage Rate (APR) options are available, and may vary for approved loans based on creditworthiness, loan amount, Loan-to-Value (LTV), and other underwriting criteria. Property insurance is required. Additional terms, conditions, and fees may apply. Ask for full details. Consult a tax advisor for deductibility of interest. Penn Community Bank NMLS #434939.
An example 30-year fixed-rate loan of $400,000 at 6.250% with a 20% down payment would have 360 monthly principal and interest payments of $2,462.87. Payment does not include taxes and insurance premiums, where applicable. Actual payments may be higher. The APR of 6.366% includes no prepaid finance charge.
For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes. An example 10/1 year ARM of $400,000 at 6.250% with a 20% down payment would have 120 monthly principal and interest payments of $2,462.87 for the fixed-rate period and may adjust annually thereafter, to a maximum rate increase of 2% per year and a maximum rate increase of 6% over the life of the loan. Payment does not include taxes and insurance premiums, where applicable. Actual payments may be higher. The APR of 6.440% includes no prepaid finance charge.
Information accurate as of July 24, 2026, and subject to change without notice. Ask for full details.
