Put Your Home’s Equity
to Work
Whether you’re renovating, consolidating debt, or funding a dream, our mortgage specialists help you make the most of your home’s value.
Get the Funds You Need at a Fixed Low Interest Rate
Our dedicated mortgage specialists are ready to help you maximize your home’s potential. If your property is in Lancaster, Lebanon, Berks, Chester, or Dauphin County, give our Mortgage Department a call today at 717-898-7673, option 3 to schedule a personalized appointment and explore your options.
- Up to 80% loan-to-value of your home up to $250,000 for a primary residence*
- Up to 80% loan-to-value of your home up to $250,000 for a non-primary residence*
Flexline Line of Credit, Ready When You Are
Enjoy the convenience of setting up a Flexline home equity line of credit (HELOC) so the money is available when you need it.
- Adjustable Rate (can change monthly) is based on the Federal Prime Rate*
- Borrow what you need when you need it
- Up to 80% loan-to-value of your home up to $250,000 for a primary residence*
- Up to 80% loan-to-value of your home up to $250,000 for a non-primary residence*
A mortgage specialist can help you make the most of your home’s equity. WFCU is currently lending on properties located in Lebanon, Berks, Chester, Dauphin, and Lancaster Counties. Call our Mortgage Department today 717-898-7673.
*A non-refundable $250 application fee and $35/person credit report fee are required at the time of application. If a full appraisal is required, an additional $375 will be due at the time of the request. Other restrictions and fees apply. Contact us for rates and additional information.
Rates
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Loan Calculator
The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using this calculator does not guarantee credit.
Loan Amortization Schedule
| Period | Payment | Interest | Principal | Principal Balance |
|---|---|---|---|---|
| $0,000.00 |
Loan Calculator
The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using this calculator does not guarantee credit.
Loan Amortization Schedule
| Period | Payment | Interest | Principal | Principal Balance |
|---|---|---|---|---|
| $0,000.00 |
Common Questions
Yes. Please call or email us lending@wheatlandcu.com to schedule an appointment to apply for any type of home loan.
During the call we can figure out the best home loan for you. We will also let you know what you need to bring with you to the appointment and can send you an application ahead of time.
When coming in for your scheduled home loan appointment, please bring the following:
- PA driver’s license
- Completed home loan application
- Completed Home Mortgage Disclosure Act (HMDA) worksheet
- $250.00 application fee
- $35 / person credit report fee
- Proof of all income
- Current mortgage statement
- Current homeowner’s insurance policy
- Current flood insurance policy
- Current homeowner’s association policy and fee
- Most recent municipality (spring) and school (fall) tax bills
- Pictures of the outside of your home (front, back, neighborhood views)
No, Wheatland does not have escrow accounts. Members with a mortgage at Wheatland must manage their own homeowner’s insurance and tax payments.
No, Wheatland does not charge Private Mortgage Insurance (PMI) since we only lend up to 80% of the equity of your home.
Mortgage Protection Insurance (MPI) may be added onto your loan if you do not provide proper proof of insurance for home loans at Wheatland. This insurance protects your mortgage or home equity loan balance, when no proper proof of insurance is provided.
This insurance only covers the current balance on your home loan. In the event of a total loss, any equity in your home may be lost if MPI is the sole insurance on your home.