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Community Lending Program - Making Homeownership Possible in PA, NY, & NJ

Unlock the Door to Your New Home with our Community Lending Program

Peoples Security Bank & Trust is committed to helping individuals and families achieve their dream of homeownership through our Community Lending Program^1,2. With 39 branches across Pennsylvania, New York, and New Jersey, we provide affordable mortgage solutions designed to empower low-to-moderate-income borrowers³. This program is about giving you the support, education, and resources you need to confidently navigate the homebuying process.

Our program is designed to boost your buying power while keeping costs low, offering competitive interest rates, flexible credit requirements, and reduced upfront expenses. Whether you're purchasing your first home or looking for a more affordable way to buy, our team is here to help.

LOWER INTEREST RATES: Get a rate up to 2% lower than our standard 30-year fixed rate.¹
FLEXIBLE CREDIT SCORE REQUIREMENTS: A minimum credit score of 640 makes homeownership more accessible.
LOW DOWN PAYMENT^5,6: No PMI: Put down as little as 3%⁵ with no Private Mortgage Insurance (PMI)⁶, making homeownership more affordable.
ASSISTANCE OPTIONS: This program can be used in conjunction with other down payment and closing cost assistance options, increasing affordability⁷.
EXPERT HOMEOWNERSHIP GUIDANCE: Homeownership counseling is required to help prepare you for long-term success as a homeowner⁴.

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Helping Homebuyers Across Pennsylvania, New York & New Jersey

Our Community Lending Program is designed to serve homebuyers across PA, NY, and NJ, ensuring that families in urban, suburban, and rural communities have access to affordable mortgage options. We take pride in offering personalized service to help guide you. Contact us today to learn more about our Community Lending Program and whether it is right for you.

GET IN TOUCH or find a branch in PA, NY, or NJ

DISCLOSURES

(1) Community Lending Program Mortgages are available on 1st lien, 1-4 family owner occupied primary residence with a 30 year maximum term and $300,000 maximum loan amount. Annual Percentage Rate (APR) of 4.777% for 30 years with a monthly payment of $5.22 per $1,000 borrowed. Payments disclosed do not include taxes & insurance. Title and property insurance are required; flood insurance is required when applicable. Other closing costs may apply. The Community Lending Program rate is 2% lower than the current PSBT 30 year fixed mortgage rate of ---, effective ---. This rate reflects a 0.25% reduction for autodraft of payment from a Peoples Security Bank & Trust checking account. Subject to credit approval. Offer subject to change at any time without notice. (2) Maximum debt-to-income ratio is 45%. (3) Borrower’s household income may not exceed 80% of the county median income per household as recently published by HUD. (4) Online Home Buyer education course required through MGIC. (5) Finance up to 97% of the lower of the purchase price or appraised property value. (6) Lender paid PMI. (7) Minimum contribution of 1% for 1 unit owner-occupied properties. Down payment assistance in the form of Local or County Assistance Programs/Grants, Peoples Security Bank & Trust grants and loans may be combined with borrower funds to meet down payment and closing cost requirements.