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Rates

As a mutual institution, we do more than just process loans. We help our neighbors and customer-owners find the right mortgage loan.

Key Features

Free Pre-Approval

Local Processing

Quick Decisions

  • Buy your dream home or investment property
  • First-time homebuyers welcome
  • A wide range of terms customized to your unique situation
  • Several financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • Portfolio Loans
    • First-time homebuyer specials through First Front Door
  • Refinance your current home to potentially lower your rate
  • Free pre-approval for extra confidence when it comes to securing financing
  • Shared Equity acceptable for some circumstances
  • Helpful loan advisors with working knowledge of the local, Central Pennsylvania real estate market
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Would life be easier with just one simple payment? Maybe it is time to consolidate your bills and simplify your life and save some money. Here is an example of what we can do:

Life BEFORE Consolidation with a New MCS Bank Mortgage

  Current Balances APR Current Payments
Current Mortgage $42,621.51 5.250% $336.92
Home Equity Loan $11,913.33 7.500% $142.44
Credit Card #1 $3,924.25 18.35% $78.00
Credit Card #2 $3,519.66 19.12% $68.00
Personal Loan $4,407.50 9.990% $109.16
Recreational Vehicle Loan $4,229.12 8.500% $93.44

Total Payments: $827.96 

Life AFTER Consolidation with a New MCS Bank Mortgage

  Consolidated Balance Consolidated Payment
MCS Bank 30-Year Fixed Mortgage $72,000 $370.18

Monthly Savings to You: $457.78

Yearly Savings to You: $5,493.36

Interest rate and Annual Percentage Rate (APR) are accurate as of 6/1/2018 and are subject to change without notice.  New loan payment in above scenario based on an interest rate of 4.625% and an APR of $4.695 and a 360 month term. Slated AP requires payment be drafted from a MCS Bank checking account and maximum loan to value ratio of 80%. All loans subject to credit underwriting approval. Taxes and insurance not included in payment amount, therefore actual payment obligation will be greater. Shared Equity acceptable for some circumstances.

  • Competitive rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed
  • Shared Equity acceptable for some circumstances
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

You can simply refinance your existing loan to get a lower interest rate or change the terms. 

We can customize a Mortgage to a payment term that best fits your lifestyle and financial goals. We offer terms up to 30 years. Shared Equity acceptable for some circumstances.

Equal Housing Lender

All Loans subject to MCS Bank Underwriting Standards.