Mortgage Loans & Pre-Approval in NEPA| NET Credit Union
(570) 961-5300

Mortgage Loans

Finance the home of your dreams with a mortgage from NET.

Your Application

Fill out your loan application

Your Loan

Monitor and help get funded quickly

Mortgages

Finance your dream home with NET Mortgages

Your Application

Fill out your loan application

Your Loan

Monitor and help get funded quickly

Competitive Rates

Low Fees

Local Decision

Fast Approval

Refinance

We can offer you a variety of mortgage loan products with competitive rates and low closing costs. At NET, we realize that home ownership is a big financial step and we always have your financial well-being in mind. Our professional loan officers can help you determine the loan amount you can afford and also give you tips on raising your credit score before you start searching. When in the market for a new home, your first stop should always be NET Credit Union.

Save up to $5,000 on Closing Costs!***

House hunting costs could add up fast. NET is offering $5,000 on closing costs*** to help!

Young couple carrying big cardboard box at new home. Moving house

Save up to $5,000* on Closing Costs!

House hunting costs could add up fast. NET is offering $5,000 on closing costs* to help!

Benefits of a NET Mortgage

  • Competitive rates
  • Low fees
  • Terms up to 30 years
  • Fast approvals
  • Experienced mortgage lenders
  • Apply online in as little as 20 minutes.
  • Low fixed-rate and adjustable rate mortgage loans
  • Low down payment requirements
  • Assistance from our friendly, professional local mortgage loan officers

Call 570-293-3618 or email mortgages@netcreditunion.com for current rate.

Mortgage Types

Conventional

This mortgage type has many term options making it great for refinance or a purchase.

  • Fixed or Adjustable Rates
  • Up to 30 year terms
  • Credit Score as low as 660
  • Down Payment as low as 3%
  • Property: Single Family, 2 Unit, Manufactured
  • Primary Residence
  • Purchase or Refinance

FHA

(Federal Housing Administration) Looking for a low down payment option?

  • Fixed Rates
  • 15 or 30 year terms
  • Credit Score as low as 580
  • Down Payment as low as 3.5% (Can be gifted)
  • Seller Assist up to 6% of sale price
  • Property: Single Family, 2-4 unit multi family, PUDS, Condos.
  • Primary Residence
  • Purchase or Refinance

USDA

(United States Department of Agriculture) This mortgage is an excellent for low-to-moderate income and savings, who is looking to purchase in a designated rural areaTruly, zero-down loan. This is not limited to first-time buyers. 

  • Fixed Rates
  • 30 year term
  • Credit Score as low as 640
  • No down payment required
  • Seller Assist up to 6% of sale price
  • Property: 1-unit, Non-farm, Manufactured homes, PUDS, Condos
  • Primary Residence
  • Purchase or Refinance

VA

Thank you for your service! This mortgage is for our brave veterans, active members and other military personnel.

  • Fixed Rates
  • 30 Year Term
  • Credit Score as low as 620
  • No down payment required
  • Seller Assist up to 4% of sales price
  • Property: Single Family, 2-4 unit multifamily, PUDS, Condos, Doublewide Manufactured
  • Primary Residence

Conventional

This mortgage type has many term options making it great for refinance or a purchase.

  • Fixed or Adjustable Rates
  • Up to 30 year terms
  • Credit Score as low as 660
  • Down Payment as low as 3%
  • Property: Single Family, 2 Unit, Manufactured
  • Primary Residence
  • Purchase or Refinance

FHA

(Federal Housing Administration) Looking for a low down payment option?

  • Fixed Rates
  • 15 or 30 year terms
  • Credit Score as low as 580
  • Down Payment as low as 3.5% (Can be gifted)
  • Seller Assist up to 6% of sale price
  • Property: Single Family, 2-4 unit multi family, PUDS, Condos.
  • Primary Residence
  • Purchase or Refinance

USDA

(United States Department of Agriculture) This mortgage is an excellent for low-to-moderate income and savings, who is looking to purchase in a designated rural areaTruly, zero-down loan. This is not limited to first-time buyers. 

  • Fixed Rates
  • 30 year term
  • Credit Score as low as 640
  • No down payment required
  • Seller Assist up to 6% of sale price
  • Property: 1-unit, Non-farm, Manufactured homes, PUDS, Condos
  • Primary Residence
  • Purchase or Refinance

VA

Thank you for your service! This mortgage is for our brave veterans, active members and other military personnel.

  • Fixed Rates
  • 30 Year Term
  • Credit Score as low as 620
  • No down payment required
  • Seller Assist up to 4% of sales price
  • Property: Single Family, 2-4 unit multifamily, PUDS, Condos, Doublewide Manufactured
  • Primary Residence

Still not sure which loan type to apply for? Don’t worry, we’re here to help. 

Get the process started now and our experts will be sure to match you with the best options.

First Time Home Buyer

10 Tips for a First Time Home Buyer

  1. Start saving now. The more money you have for a down payment, the more comfortable you’ll be.
  2. Get your finances organized to help you determine a budget.
  3. Check and improve your credit score – ask us how!
  4. Get pre-approved for a NET Credit Union Mortgage.
  5. Find an experienced real estate agent you can trust.
  6. Scout out the ideal neighborhood for your family.
  7. Time to start house hunting.
  8. Consider all of the costs– home inspection, down payment, closing costs, etc.
  9. Make an offer and know your limits.
  10. Now it’s closing time. Congratulations, you’re a homeowner!

      Are you a first time home buyer?

      Buying a house is a big commitment and the process may seem overwhelming. Our NET Member Experts are here to help you every step of the way. At NET Credit Union, we are committed to making the mortgage loan process as stress free as possible for all borrowers. Our goal is to provide the highest level of service at competitive rates.

       Speak to a NET Member Expert about the type of mortgage that best fits your needs. Fixed rate mortgage loans: When you opt for a fixed rate mortgage loan, your payment is fixed for the life of the loan. This makes monthly budgeting easy, as your payment will always be the same over the life of the loan. Adjustable rate mortgage loans: Although the interest rate on an adjustable rate mortgage may be lower now, it can fluctuate and will increase and decrease as the market fluctuates.

      Refinancing

      Are you  locked in a long term mortgage?

      If you’re locked into a 30-year mortgage loan, refinancing for a shorter term or for a lower or fixed rate might be worth exploring. The benefits of a shorter-term loan could include paying off your balance faster and saving on overall interest. Our experienced lenders can help you find the loan rate and term that makes the most sense for you. We can also help you determine if the time is right to refinance your home.

      Whether you’re buying your first home, upgrading to that dream home or refinancing to take advantage of lower rates or better terms, NET Credit Union is here for all of your borrowing needs. We understand that every home loan borrower is different and we are committed to helping you find the right mortgage product for your individual needs and budget. Make the process easier by getting pre-approved at the link above.

      Our goal is to provide the highest level of service at competitive rates. To speak to a mortgage professional, fill out the form below or visit a branch location to apply for a mortgage in person.

      Single Family Home

      Raising Your Credit Score Before Buying

      NET can help you raise your credit score so you can have the best rates possible on your future mortgage!

      Looking for other loans?

      new kitchen Home Equity Loans
      HELOC Loans

      Have a large home improvement project or big expense coming up?
      NET’s Home Equity Loans close in just 5 days!**

      New Backyard patio HELOC Loans

      Auto Loans

      Whether you’re purchasing your first car or an SUV for your family, NET offers competitive rates and flexible terms to meet all of your needs.
      Lisa Kearney

      Lisa Kearney

      Mortgage Lending Officer

      570.961.5300

      mortgages@netcreditunion.com

      Our Experienced Loan Officers will be happy to answer any questions you may have. Fill out the form for easy communication or email Lisa directly.

      *Please don’t send secure information via your personal email

      Need Help Choosing The Right Mortgage For You?

      15 + 3 =

      *All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.

      **Five (5) day timeframe begins the day we receive your completed application.   Closing delays may occur if:   Documents required for closing are not completed within timeframes established by the Credit Union, the property value cannot be readily determined,  events beyond the control of the Credit Union or the loan cannot be closed electronically.

      ***Available to all borrowers on a 20 or 30 year Conventional Mortgage loan transaction with NET Federal Credit Union. Percentage received toward closing costs will be based on the loan amount financed. Eligible loan applications must be submitted by 12/31/2023. Closing cost discount will not be applied until the time of closing on the appropriate closing documents. Closing discount may be subject to a 1099 tax form; any taxes are to be paid directly by the member. This promotion may not be combined with any other offer or discount. NET Federal Credit Union reserves the right to cancel this promotion at any time without notice. This is not a commitment to lend. AII lending products are subject to credit and property approval. Additional restrictions may apply.NET Federal Credit Union: 119 Mulberry Street, Scranton, PA 18503.