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Our goal is to provide you with affordable mortgage solutions combined with excellent service.

We offer a wide range of mortgage programs with great rates, including:

What to Expect

Complete an application and gather your pay stubs, bank statements, and 2 years of tax returns

Getting a home loan doesn't have to be difficult! Our mortgage experts will work with you throughout the mortgage process, answering your questions and offering advice every step of the way. 

Mortgage Resources

Contact Us

Apply today to make your dream home a reality!

Address
123 Amberleigh Lane, 
Bellefonte, PA 16823
Email
mortgages@pennstatefederal.com
Telephone
(814) 865-7728


You're Home with Penn State Federal

Contact a Real Estate Agent and provide them with your pre-qualification letter along with a list of your wants/needs in a new home.

We will send you the loan estimate and early disclosures. Then we can move forward with underwriting the loan and ordering the appraisal.

Once you've found the perfect home and your offer has been accepted we can begin the rest of the financing process.

The Mortgage Process*

After the appraisal comes back and all conditions are met for underwriting, your loan will be clear to close.

All documents will then be finalized and your closing date will be scheduled!

On closing day, all final documents will be signed. Congratulations, you're a homeowner!

*Every mortgage is unique. This step-by-step process is simply to serve as a general outline of what you can expect during the mortgage process. We make no guarantees in regards to timelines, required documentation, approval, etc.

Apply Today!
Use our Mortgage Calculator to help you estimate how much home you may be able to afford.
If you'd like to learn more about individual loan products to figure out which one is right for you, visit MFM's website.
Continue Application
Have you already started completing a mortgage application? Finish your application today!
Fixed and Adjustable Rate Mortgages
Our mortgage term options are great for borrowers looking for a home for the next couple years to their forever home.
Conventional and Government Loans
Members can take advantage of our Conventional and Government loans (FHA, RD/USDA, and VA) to find the mortgage that fits their unique needs.
Low Down Payment Programs
Many of our loan programs offer flexible down payment requirements to make buying a new home more affordable.
Competitive Rates and Closing Costs
Our mortgage rates are constantly changing so that we can stay competitive in the industry. We also keep our closing costs low to help you save money.
Easy Online Application
Our easy online mortgage application allows you to apply whenever works best for your schedule from virtually anywhere.
OR GET A RATE QUOTEMortgage Calculator

If you have questions and want to talk about your specific situation, call one of our expert Mortgage Originators today:

Mortgage Originator NMLS #417210
1937 N Atherton St
State College, PA 16803

Beth Walker
Mortgage Originator NMLS #617436
1937 N Atherton St
State College, PA 16803

(814) 865-0303

Darla Owlett

(814) 865-0562

You're Home with Penn State Federal

You're Home with Penn State Federal

Who can I contact?

What to Expect

Mortgage Resources

Contact Us

WELCOME
Home

Whether you're looking to purchase a new home or refinance your current mortgage, Penn State Federal Credit Union is here to help!
OR GET A RATE QUOTEApply Today!About Loan Products

Who can I contact?

*All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. This is not a commitment to lend. Additional restrictions may apply. Member First Mortgage, LLC is an affiliate of Penn State Federal Credit Union. Penn State Federal Credit Union: 1937 N. Atherton Street, State College, PA 16802 | 814-933-1666 | NMLS ID: 401924. Member First Mortgage, LLC Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | 866-898-1818 | NMLS ID: 149532 | Equal Housing Opportunity.