Residential Mortgage Loans

Buying or building a home is one of the largest undertakings you’ll face in life. Financing it shouldn’t be.

Home ownership is the foundation of a strong community. That’s why the “Neighbors you know, bankers you trust” strive to make the process as quick and simple as possible.  We have local lenders with local decisions.  No out-of-state corporate red tape to slow things down!  You can help us provide you with the quick turnaround time you want by gathering all the documents we need in order to process your application.  Find out what paperwork you will need.   The entire process could be delayed if we have to wait for paperwork so don't hesitate to call us if you have any questions!

Whether you’re funding a new purchase, first home purchase, renovations, or refinancing your current mortgage, our real estate lending professionals can help you find the right loan to suit your needs.

Choose from several products with a variety of terms. Fixed Rate Mortgage. Bi-weekly Mortgage. Jumbo Loan. Bridge or Construction Loan. MCT has it all.

 Finish Line Bi-weekly Mortgages

Finish Line Bi-weekly Mortgage Logo
Get to your finish line faster with one of our Finish Line Mortgages!  Get out of debt faster!  Own your home sooner!  These money and time saving products allow for a faster loan payoff through bi-weekly payments.  Ask any of our lending professionals for more information on these great new products from Mauch Chunk Trust Company.

 

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

These money saving monthly refinance products offer the lowest associated fees. Ask any of our lending professionals for more information on these great new products from Mauch Chunk Trust Company.

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 have borrowing needs above $424,100?  MCT offers Jumbo Mortgage Loans in a variety of terms.  The bi-weekly payment feature helps you save money on interest and allows for a faster loan payoff.  These Jumbo Mortgage Loans provide financing above conventional/conforming loan limits.  Available for both primary and secondary home uses.

 

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 

 

When you’re ready to apply...

You can start your mortgage application in many ways!  Apply online, stop by any of our convenient branch locations and speak to a Personal Banker or make an appointment with one of our lending professionals located at our Main Office in Jim Thorpe.

Apply for a Residential Mortgage Loan      Current rates     Contact the 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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