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Mortgage Loan Options
Every homebuying journey is different. Explore mortgage options designed to support home purchases, construction, refinancing, and more.
Conventional Mortgage*
Overview
Explore conventional mortgage options for purchasing or refinancing a home. Available for a variety of eligible property types and financing needs.
Features
- Available for primary homes, second homes, and investment properties
- Fixed-rate and adjustable-rate mortgage options
- Can be used to purchase or refinance a home
*Loans provided under conventional lending guidelines are not insured or guaranteed by any government agency. Approval, terms, and conditions are subject to the borrower’s creditworthiness, income verification, property appraisal, and compliance with applicable underwriting standards. Interest rates, fees, and closing costs may vary and are subject to change without notice. The lender makes no representation or warranty regarding the future value of the property or the borrower’s ability to meet repayment obligations. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Orrstown Bank reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
Refinance Your Home*
Overview
Explore mortgage refinancing options for eligible homeowners looking to replace an existing mortgage with a new loan.
Features
- Available for homeowners looking to replace an existing mortgage
- Multiple loan term options available
- Fixed-rate and adjustable-rate refinance options Cash-out refinancing and PMI removal may be available for eligible borrowers
*Interest Rates and Maximum Loan-to-Value may be based on Credit Score, Property Type, Occupancy, Purpose, Investor, Insurer, Loan to Value and other factors. Additional investor, insurer and Orrstown Bank criteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Orrstown Bank reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
Construction-to-Permanent Mortgage*
Overview
Explore construction-to-permanent financing that combines construction and permanent mortgage financing into one loan process and one closing.
Features
- One loan for construction and permanent financing
- One closing for both the construction and permanent financing phases
- Make interest-only payments during the construction phase
*This Construction-to-Permanent Loan (“Loan”) is intended to finance the construction of improvements on the property described in the Loan Agreement, followed by conversion to permanent financing upon completion. Approval of the permanent phase is contingent upon satisfactory completion of construction, final inspection, and compliance with all applicable terms and conditions.
Interest-only payments may be required during the construction phase, based on funds disbursed. The permanent loan terms, including interest rate and repayment schedule, may differ from the construction phase terms. Borrower acknowledges that delays, cost overruns, or changes to the construction plan may affect the loan amount, closing timeline, or eligibility for conversion.
Interest rates and maximum loan-to-value may be based on credit score, property type, occupancy, purpose, investor, insurer, loan-to-value and other factors. Additional investor, insurer and Orrstown Bank criteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Orrstown Bank reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
First-time Home Buyers*
Overview
Explore mortgage programs, resources, and financing options available to eligible first-time homebuyers, with guidance from a local lending team throughout the process.
Features
- Lower down payment programs may be available
- Down payment assistance programs may be available
- Multiple mortgage options available
- Resources and guidance throughout the homebuying process
*Interest Rates and Maximum Loan-to-Value may be based on Credit Score, Property Type, Occupancy, Purpose, Investor, Insurer, Loan to Value and other factors. Additional investor, insurer and Orrstown Bank criteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Orrstown Bank reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
CRA Program*
Overview
Explore mortgage financing options available through Orrstown Bank's Community Reinvestment Act (CRA) Mortgage Program for eligible borrowers and properties located within qualifying communities.
Features
- Available for home purchases and limited cash-out refinances
- Maximum loan-to-value (LTV) of 97% Private mortgage insurance (PMI) is not required under current program guidelines
- First-time homebuyer status is not required Features n/a Disclosure
*Interest Rates and Maximum Loan-to-Value may be based on Credit Score, Property Type, Occupancy, Purpose, Investor, Insurer, Loan to Value and other factors. Additional investor, insurer andOrrstown Bankcriteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements.Orrstown Bankreserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
USDA Loans*
Overview
Explore USDA mortgage loan options available to eligible borrowers purchasing homes in qualifying rural and suburban communities.
Features
- Available for eligible rural and suburban properties
- No down payment required for qualified borrowers
- Fixed-rate financing options available
- Income and property eligibility requirements apply
*USDA Loans are offered for consideration under the U.S. Department of Agriculture (USDA) Rural Development loan program. Final eligibility for the property, applicant(s), and loan terms will be determined solely by USDA Rural Development upon review of a complete application and supporting documentation. Viewing eligibility maps or preliminary assessments does not guarantee approval. Loan approval, terms, and conditions are subject to change based on USDA guidelines, funding availability, and verification of all information provided. This lender is not an agent of the USDA and makes no representation or warranty regarding final approval. Additional restrictions may apply. Meeting any of the criteria does not constitute a commitment to lend.
FHA Loans*
Overview
Explore FHA-insured mortgage loan options available through approved Mortgage Officers at Orrstown Bank.
Features
- Available for primary residences
- Lower down payment requirements than some conventional loan programs
- Available to eligible first-time and repeat homebuyers
*All FHA-insured mortgage loans are subject to credit approval, verification of income and assets, and compliance with FHA guidelines. Loan terms, interest rates, and eligibility requirements may vary based on individual circumstances and are subject to change without notice. FHA loans are insured by the Federal Housing Administration but are provided by approved lenders. Additional fees, closing costs, and restrictions may apply. Meeting any of the criteria does not constitute a commitment to lend.
VA Loans*
Overview
Explore mortgage financing options available to eligible veterans, active-duty military members, reservists, National Guard members, and qualifying surviving spouses.
Features
- Available to eligible veterans, active-duty service members, and qualifying spouses.
- No down payment required for many borrowers
- Fixed-rate financing options available
- Private mortgage insurance (PMI) not required
*This mortgage is offered under the U.S. Department of Veterans Affairs (VA) Home Loan Program and is available only to eligible Veterans, active-duty service members, and certain surviving spouses who meet VA eligibility requirements. Loan approval is subject to VA and lender underwriting guidelines. The VA guarantees a portion of the loan but does not guarantee the property’s value or condition. Borrowers remain responsible for all loan obligations, including timely payments, taxes, insurance, and property maintenance. Additional fees, closing costs, and restrictions may apply. Meeting any of the criteria does not constitute a commitment to lend.
Orrstown Bank Portfolio Loans*
Overview
Explore portfolio mortgage loan options available through Orrstown Bank for certain eligible borrowers, property types, and financing situations that may not meet conventional lending guidelines.
Features
- Portfolio lending options
- Loan decisions made locally
- Guidance from an experienced local lending team
- Available for certain eligible property types and financing situations
*Interest Rates and Maximum Loan-to-Value may be based on Credit Score, Property Type, Occupancy, Purpose, Investor, Insurer, Loan to Value and other factors. Additional investor, insurer and Orrstown Bank criteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Orrstown Bank reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
Medical Doctor & Dentist Program*
Overview
Explore mortgage financing options designed for eligible physicians, dentists, and veterinarians who are relocating to start or expand their practice.
Features
- Designed for physicians, dentists, and veterinarians
- Financing options available for eligible early-career medical professionals
- Flexible consideration of future earning potential
- Available for home purchases and refinances
*Interest Rates and Maximum Loan-to-Value may be based on Credit Score, Property Type, Occupancy, Purpose, Investor, Insurer, Loan to Value and other factors. Additional investor, insurer and Orrstown Bank criteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Orrstown Bank reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
Have Questions About Mortgage Loan Options? Let's Talk About Your Goals.
Whether you're buying your first home, building a new one, refinancing, or exploring specialized loan programs, our local Mortgage Officers can help you understand your options and answer your questions.
Work With Our Mortgage Officer Team
Whether you're buying your first home, your next home, or refinancing, Orrstown Bank's mortgage lenders are here to answer your questions, explain available financing options, and provide guidance throughout the mortgage process. Serving Pennsylvania and Maryland, our local team is committed to helping you understand your options every step of the way.
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