Residential Mortgage Loans

We’re your trusted neighborhood bank for all your lending needs. Whether it’s a home equity line of credit, mortgage refinancing, or a first-time mortgage, we have solutions to help you!

Talk to a Lender

Our Lending Area Includes:

Pennsylvania Counties:
Berks, Bucks, Carbon, Chester, Dauphin, Delaware, Lebanon, Lancaster, Lehigh, Northampton, Monroe, Montgomery, Philadelphia, Schuylkill

New Jersey Counties:
Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean, Salem

Residential Mortgages

We understand that the purchase of your home is probably the largest and most important, financial decision you will ever make. Therefore, we want you to feel comfortable and confident while making this decision. Our experienced, local staff will guide you through the mortgage application process to make your home-buying experience a pleasant one.

Ambler Savings Bank provides financing for the purchase of personal residences with a variety of rates and terms according to your needs.

Have questions? Our mortgage lenders are here to help. Contact us today. 

  • Prequalification available
  • Low application fee
  • Prompt application processing
  • Automatic payment available from your Ambler Savings Bank accounts or from any bank or credit union in the United States
  • Personalized customer service. Speak directly to a lender about your loan servicing needs.
  • No hidden fees

Mortgage Pre-Qualification

The first step to getting a mortgage is to speak to one of our mortgage lenders and get pre-qualified.

This is a review of your self-reported income, debts and assets to determine how much you may be able to afford and the loan amount the bank may be willing to lend.

Completing a pre-qualification is quick and easy, and doesn’t affect your credit report. It’s a great first step to explore your options as a home buyer. It will also show sellers you are capable and serious about buying a home.

Keep your pre-qualification letter handy to share with your real estate agent. Many times they will ask you to provide this when you start the search process so they can show you houses in your price range.

Fill out the form below to get your pre-qualification started and someone will reach out to you shortly.

Note: Please do not enter personal information such as account or social security numbers in this form. Ambler Savings Bank does not transmit personal information through unsecure email.

Fixed-Rate Mortgages

A fixed-rate mortgage loan is one of the most common mortgage loans available. It offers several advantages for the borrower, including the peace of mind of a fixed interest rate for the life of the loan. A fixed-rate mortgage can be used to buy a primary residence or an investment property. It is offered in a variety of loan terms to meet a range of borrowing needs.

Features:

  • Fast, local decision-making
  • 15-year, 20-year, or 30-year terms
  • Rate is locked for entire loan term
  • No prepayment penalty
  • Purchase a primary residence or invest in a second home

Mortgage Loans

Effective As of 4/24/2025

TermRateAPR*Points
15 Year Fixed5.875%6.038%0
20 Year Fixed6.125%6.257%0
30 Year Fixed6.050%6.242%1
30 Year Fixed6.500%6.603%0
5/1 ARM5.900%6.030%.350
7/1 ARM6.125%6.257%.350

*APR = Annual Percentage Rate. The displayed APR for the loan products shown above is based on the interest rate (Rate), points (if applicable) and certain estimated finance charges Maximum loan amount $806,500. Please contact us for amounts greater than $806,500. Maximum Loan to value (LTV): 95%. Private Mortgage Insurance (PMI) insurance is required on all mortgage loans over 80% LTV. Example: Based on a 30 year fixed rate mortgage loan with a rate of 6.050%, you would make 360 monthly P&I payments of $904.16. This payment does not include escrow for taxes and insurance. APR is based on a $150,000 loan with 20% down. Adjustable-Rate Mortgage (ARM) interest rates and payments are subject to change after the initial fixed-rate period (5 years for a 5/1 ARM and 7 years for a 7/1 ARM); the interest rate may adjust once each year thereafter based on a market index.  Other rates and terms are available. Rates are subject to change. Property insurance is required. Subject to credit approval. For further information, please see one of our Loan Officers.

Apply Now

Adjustable-Rate Mortgages

How does an adjustable-rate mortgage work?
With an adjustable-rate mortgage (ARM), your interest rate is fixed for an introductory period, then adjusts  periodically. The interest rate and APR may increase at the end of the initial fixed-rate period. Rate adjustments a retied to a market index used for the loan.

The loan is named by the length of time the interest rate will stay fixed and how often the interest rate is subject to change thereafter. For example, in a 5/1 ARM, the 5 stands for an initial 5-year period during which the interest rate remains fixed, while the 1 shows that the interest rate is subject to adjustment once every year thereafter.

Mortgage Loans

Effective As of 4/24/2025

TermRateAPR*Points
15 Year Fixed5.875%6.038%0
20 Year Fixed6.125%6.257%0
30 Year Fixed6.050%6.242%1
30 Year Fixed6.500%6.603%0
5/1 ARM5.900%6.030%.350
7/1 ARM6.125%6.257%.350

*APR = Annual Percentage Rate. The displayed APR for the loan products shown above is based on the interest rate (Rate), points (if applicable) and certain estimated finance charges Maximum loan amount $806,500. Please contact us for amounts greater than $806,500. Maximum Loan to value (LTV): 95%. Private Mortgage Insurance (PMI) insurance is required on all mortgage loans over 80% LTV. Example: Based on a 30 year fixed rate mortgage loan with a rate of 6.050%, you would make 360 monthly P&I payments of $904.16. This payment does not include escrow for taxes and insurance. APR is based on a $150,000 loan with 20% down. Adjustable-Rate Mortgage (ARM) interest rates and payments are subject to change after the initial fixed-rate period (5 years for a 5/1 ARM and 7 years for a 7/1 ARM); the interest rate may adjust once each year thereafter based on a market index.  Other rates and terms are available. Rates are subject to change. Property insurance is required. Subject to credit approval. For further information, please see one of our Loan Officers.

Apply Now

First-Time Homebuyer Program

Ambler Savings Bank is proud to offer a first-time homebuyer program for qualifying customers. Take advantage of our special rate and work with our team of experts, who will guide you through the process.

  • Reduced interest rate*
  • Personalized customer service
  • In-house team of mortgage lenders
  • Prequalification available
  • Maximum loan amount $403,250

Call, email or visit one of our branches for more information. 

First Time Homebuyer Program

Effective As of 4/24/2025

TermRateAPR*Points
30 Year Fixed6.2506.351%0

*APR means Annual Percentage Rate. Owner occupied with loan-to-value (LTV) up to 95%. PMI insurance is required on all mortgage loans over 80% LTV. Maximum loan amount $403,250. APR is based on a $150,000 loan with 20% down. Example: Based on a 30 year fixed rate mortgage loan with a rate of 6.250% you would make 360 monthly P&I payments of $923.58. This payment does not include escrow for taxes and insurance. Your actual payment obligation will be higher. Property insurance is required. Subject to credit approval. Other rates and terms are available. Rates are subject to change. For further information, please speak to one of our Loan Officers.

Apply Now

Refinance A Home

Take advantage of low mortgage rates to shorten your term or lower your monthly payment.

Call, email or visit one of our branches for more information. 

Contact us

Federal Home Loan Bank of Pittsburgh’s First Front Door

Ambler Savings Bank is a participating lender in the Federal Home Loan Bank of Pittsburgh’s First Front Door program, for qualifying first time homebuyers. Call, email or visit one of our branches for more information on the First Front Door program.

Today’s Mortgage Rates

Mortgage Loans

Effective As of 4/24/2025

TermRateAPR*Points
15 Year Fixed5.875%6.038%0
20 Year Fixed6.125%6.257%0
30 Year Fixed6.050%6.242%1
30 Year Fixed6.500%6.603%0
5/1 ARM5.900%6.030%.350
7/1 ARM6.125%6.257%.350

*APR = Annual Percentage Rate. The displayed APR for the loan products shown above is based on the interest rate (Rate), points (if applicable) and certain estimated finance charges Maximum loan amount $806,500. Please contact us for amounts greater than $806,500. Maximum Loan to value (LTV): 95%. Private Mortgage Insurance (PMI) insurance is required on all mortgage loans over 80% LTV. Example: Based on a 30 year fixed rate mortgage loan with a rate of 6.050%, you would make 360 monthly P&I payments of $904.16. This payment does not include escrow for taxes and insurance. APR is based on a $150,000 loan with 20% down. Adjustable-Rate Mortgage (ARM) interest rates and payments are subject to change after the initial fixed-rate period (5 years for a 5/1 ARM and 7 years for a 7/1 ARM); the interest rate may adjust once each year thereafter based on a market index.  Other rates and terms are available. Rates are subject to change. Property insurance is required. Subject to credit approval. For further information, please see one of our Loan Officers.

Blog Articles

Visit our Blog
Community

The Community Banking Difference: Relationships

Read Article The Community Banking Difference: Relationships
Children & Youth
Teaching Teens to Manage and Open a Bank Account
Read Article
General
Cyber Security for Holiday Shopping
Read Article
General
Three Reasons to Meet With Your Banker
Read Article
Home Equity Loans – Borrow against the equity you have in your home.
Learn More about Home Equity Loans
Try our financial calculators to budget and plan.
Learn More