Find the Right Mortgage For You

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Helping You Invest in the Future

We have the right mortgage for you. AmeriChoice makes it easy and affordable for you to find the type of mortgage that fits your needs. Vicki Mardis, AmeriChoice’s experienced Mortgage Consultant, will guide you through the entire process.

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Options for Every Situation
With in-house experts, we can help you find the right mortgage solution for wherever you are in life.
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Competitive Rates and Terms
As a credit union, AmeriChoice makes sure our members are our top priority, so you can be sure that the rates and terms of our mortgages keep your needs front and center.
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Grow your Member Rewards
Our Mortgage products are eligible and contribute to your Member Rewards levels.

A Variety of Options

Fixed Rate First Mortgages

These conventional mortgage loans will provide you with peace of mind, whether you’re a first time home-buyer or looking to downsize now that the kids are grown up. Our competitive interest rate stays the same, but you have the option for terms anywhere from 10 to 30 years.

Construction Mortgages

Build the home of your dreams with a construction mortgage from AmeriChoice. We’ll be with you every step of the way – from purchasing the ideal lot and hiring a contractor, to opening the door to your custom home for the first time.

Advantages of an AmeriChoice Mortgage

Learn why our mortgage holders are the happiest in south-central Pennsylvania.

  • Flexible terms
  • Hands-on mortgage experts
  • Low fees
  • Everything handled in-house
  • No-cost pre-approvals
  • Refinancing available
  • Eligible product for Member Rewards

Adjustable-Rate Mortgages (ARMs)

Make your mortgage flexible, just like your lifestyle. These mortgages offer you the ability to capture the lowest interest rate on the market for the first fixed period of the loan. Once the initial period ends, the rate will adjust regularly according to the current market*. If you’re not planning on staying in your home for a long period of time, this is the ideal solution for you.

*Rate May Increase after consummation.

Please view the important information at the links below:

ARM Disclosure

Consumer Handbook on Adjustable Rate Mortgages (CHARM)

Mortgage Rates Calculator

AmeriChoice can provide you with a loan to help you achieve your financial goals. Call us at (800) 240-4364 Ext. 4531 to learn more about how we can meet your lending needs.

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Mortgage Calculator

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Program NameRatePointsAPRPayment
15-Year Fixed (Conforming)5.875%0.00%6.117%0
15-Year Fixed (Conforming)5.750%1.00%6.151%0
15-Year Fixed (Conforming)5.500%3.00%6.220%0
20 Year Fixed (Conforming)6.125%0.00%6.297%0
20 Year Fixed (Conforming)6.000%1.00%6.354%0
20 Year Fixed (Conforming)5.750%3.00%6.358%0
30 Year Fixed (Conforming)6.500%0.00%6.679%0
30 Year Fixed (Conforming)6.375%1.00%6.650%0
30 Year Fixed (Conforming)6.125%3.00%6.594%0

APR = Annual Percentage Rate. For estimation purposes only. Eligibility requirements and fees may apply. Payment examples do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater. Rates are subject to change without notice. Rates last updated on 2/7/2023.

Meet our Experts

Mortgages are a highly specialized area requiring professional expertise and financial know-how. Vicki Mardis, our Mortgage Consultant has an extensive background in Mortgage lending.  She is committed to finding our members the best possible mortgage, while delivering personalized services during the home financing process.

Contact Vicki today to learn more!

(717) 858-1460

Vicki

Jarod Buck joined AmeriChoice Federal Credit Union in 2007 and has held several positions within the credit union during his tenure. He has excelled in both member-facing and back office positions. Jarod was promoted to Mortgage Originator in 2021, after his time as a Mortgage Loan Processor. Jarod has over 20 years of experience in the financial services industry. He enjoys helping people achieve their dreams of homeownership with the mortgage products AmeriChoice offers. In his free time, he enjoys spending time with his family, sports, music, hiking, and coaching his son in youth sports.

Contact Jarod today to learn more!

(717) 591-1284