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Loans & Credit Mortgages Mortgage Options CRA Program
Community Reinvestment Act Mortgage Program*

Explore mortgage options available through Orrstown Bank's Community Reinvestment Act (CRA) Mortgage Program for eligible borrowers and qualifying properties.

Ready to Learn About the CRA Homeownership Program?

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CRA Mortgage Program Features

The CRA Mortgage Program is available to eligible borrowers purchasing a home or completing a limited cash-out refinance within Orrstown Bank's CRA Assessment Area. Our Mortgage Officers can explain program requirements, discuss available financing options, and help you determine whether this program may meet your home financing needs.

Features:

  • Available for eligible home purchases and limited cash-out refinances
  • Maximum loan-to-value (LTV) of 97%
  • Private mortgage insurance (PMI) is not required
  • Minimum credit score of 660 required
  • First-time homebuyer status is not required
  • Income limitations apply
  • Available for properties located within Orrstown Bank's CRA Assessment Area



*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.

To help us connect you with the right person, where are you located?

Share any details about your home financing needs, questions, or goals so we can better assist you.


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.

Meet Our Mortgage Officer Team