If you are in the market for a home loan, we offer mortgage loans, fixed rate home equity loans, and home equity lines of credit (HELOCs). Home loans are available for primary residences located in Pennsylvania (Franklin and Fulton counties), West Virginia (Berkeley, Jefferson, and Morgan counties), and Maryland (Allegany, Baltimore, Cumberland, Frederick, Garrett, and Washington counties). Closing costs are the responsibility of the borrower and vary based on the property. Applications are available at Meridian and Williamsport offices.
All home loans are processed at the Leitersburg Pike location only.
Whether you are purchasing a new home or looking to refinance the loan you have with another financial institution, WCTFCU may have the mortgage loan for you. Up to 80% financing is available. Mortgage rates are subject to change daily. Please Contact Us for rates. Available terms are 10, 15, 20, and limited 30 years.
A one-time, lump-sum, fixed-rate loan using the equity in your home as collateral. Up to 80% financing is available. Terms are available for 5, 8, or 10 years.
A revolving line of credit with a variable rate that allows you to borrow against the equity in your home. Up to 80% financing is available. There is a five-year draw period followed by a 15-year repayment period. Your minimum payment will be 1% of the outstanding balance.