Residential Home Mortgage Loans

Your home is one of your largest undertakings. How you pay for it shouldn’t be. With us, it won’t be.

We’ve removed the headaches and hassles in home buying, so securing your mortgage loan and getting into your home is now faster and simpler:
● Quick and easy paperwork.  Here's what you'll need 
● Local mortgage lenders making local local decisions
● Don’t get stuck on hold - contact us with questions 

Interested in pre-qualifying for a mortgage? Click here. 

Whether it’s your first home or a bigger home, upsizing for the family or downsizing after retirement, our home mortgage loans and lenders are here to serve your specific needs. Here are our home mortgage options:

Fixed Rate Mortgages



Loan Limits

Terms Available (years)


Fixed Rate Purchase or refinance up to $484,350 20,30 Can be used for a primary or secondary residence.


First Time Home Buyer

Stop renting and start owning!  MCT has responsible financing options for the First Time Home Buyer.  Why are you still paying a landlord when homes are affordable and interest rates are still low?  Wake up in your new could happen sooner than you think!  


2-4 Family Owner Occupied

MCT offers borrowers an alternative to investment property financing as long it is your primary residence. You can save money on interest and shorten the life of your loan with the unique bi-weekly payment structure!  Available for purchase or refinance. 


Ready to apply? Let's get started.

Apply online or visit any of our branch locations. You can also make an appointment with our home mortgage loan experts at our Main Office at 1111 North Street, Jim Thorpe, PA.
Here's a list of what you'll need to apply.

Apply for a Residential Home Mortgage      Current rates     Contact the Home Mortgage Lending Team



Rate Lock image

Ask your mortgage specialist about

MCT's FREE Rate Lock option.




The Consumer Financial Protection Bureau provides a home loan toolkit and guide for your reference as you consider the right lending option for your situation 

Are you experiencing hardship or at risk of missing a mortgage payment?  The US Department of Housing and Urban Development (HUD) has provided valuable information to help.  Find out more here

Mortgage Lending Department

Jim Thorpe - Main Office
1111 North Street
Jim Thorpe, PA 18229
(570) 325-2265
(877) 325-2265
9:00 - 4:00 Monday - Friday

Nationwide Mortgage Licensing System (NMLS)

Our Suggestions

Helpful Links

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Mauch Chunk Trust Company

Mauch Chunk Trust Company was incorporated August 25, 1902 as the successor institution to the Second National Bank of Mauch Chunk, established in 1864. We remain a locally owned and managed independent community bank. While many banks of our type have merged or simply disappeared, our ability to change with the times has allowed us to grow and prosper for over 118 years. Read more about our history here.

We have 7 community banking offices & 1 Trust/Investment office located in Carbon & Schuylkill Counties, Pennsylvania in the following communities: Jim Thorpe, Albrightsville, Lehighton, Nesquehoning & Tamaqua (Hometown, West Penn).

We are the "Neighbors you know, bankers you trust." Voted as the Best Bank, Best Mortgage Company & Best Place to Work in the Times News 2020 Reader's Choice contest.