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
● No out-of-state corporate bank or red tape to slow things down
● Don’t get stuck on hold - contact us with questions 

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:

 Finish Line Bi-weekly Mortgages

Finish Line Bi-weekly Mortgage Logo
Get to your finish line faster. Save time and money, with bi-weekly payments to pay off your loans faster. To find out more, please contact our home mortgage lenders.

 

Non-Purchase Use

Purchase 
Use

Loan Limits

Terms Available (yrs)

Information

Money Saver   up to $150,000 10,15,20,25,30  Can be used for a primary or secondary residence.  The Money Saver Mortgage offers the lowest associated costs and fees.
Finish Line Non-Purchase    $150,001 - $424,100 10,15,20,25,30   Can be used for a primary or secondary residence.
Finish Line Purchase   up to $424,100 10,15,20,25,30    Can be used for a primary or secondary residence.

 Smart Refi Mortgages

Take advantage of our monthly refinance mortgage options and get the lowest associated fees. To find out more, please contact our home mortgage lenders.

Product

Use

Loan Limits

Term

Information

Smart Refi15

 

Non-purchase up to $150,000 15 years Can be used for a primary or secondary residence.

Smart Refi20

 

Non-purchase up to $150,000 20 years Can be used for a primary or secondary residence.

Smart Refi30

 

Non-purchase up to $150,000 30 years 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 home...it 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. 

 

Jumbo Bi-weekly Mortgages

Do you need to borrow $424,100 or more? Save money on interest and get a faster mortgage loan payoff with a bi-weekly jumbo mortgage. To find out more, please contact our home mortgage lenders.

 

Non-Purchase Use 

 Purchase Use

Terms Available 

Information 

Jumbo      Bi-weekly  x  x 15,20,25,30  Can be used for both primary or secondary residences.   Bi-weekly payments help save money on interest and allow for faster loan payoff.  Provides financing above conventional/conforming loan limits 

 

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.

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

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Ask your mortgage specialist about

MCT's FREE Rate Lock option.

 

 

Resources

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)

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