Mortgages
We know that buying a home is one of the biggest financial decisions anyone can make, which is why it’s important to have the right mortgage lender in your corner to help with financing.

Buying your home is exciting, but can be stressful.
Luckily getting your mortgage doesn’t have to be.
Whether you’re a first time home buyer, building your dream home or downsizing, Pennian Bank, a trusted mortgage lender in Pennsylvania has a flexible, competitive residential mortgage option that’s right for you.
Our local community mortgage lenders will work with you to figure out what residential mortgage financing option is right for your unique situation. We offer options for:
First Time Home Buyers
Qualified first time home buyers may be eligible for a residential mortgage with:
- Low down payment options.
- Options financing with and without Private Mortgage Insurance (PMI) Income and credit score restrictions
apply. You must maintain a credit score of 660 and above to qualify. - Competitive rates and lower closing costs compared to larger banks.
Fixed Rate and Adjustable Rate Mortgages
- Fixed rate mortgage applicants lock in a fixed monthly rate for the life of the loan.
- Adjustable rate mortgage (ARM) applicants will have an interest rate that will fluctuate with
the market.
Construction Mortgages
Turn Blueprints into Your Dream Home
We know building a home can be stressful, but your financing shouldn’t be!
Our Construction Loans are used to fund the building process from breaking ground to moving day.
- One application and one closing
- One loan – construction financing converts to a permanent mortgage when the home is complete.
- Available in Jumbo
- Serviced and retained in-house at Pennian Bank
- Fixed rate with term options
- Interest only during the construction period
- Construction draws in stages based on the work completed.
*Programs available to qualified borrowers. Property insurance required and flood insurance may be required. Terms and conditions are subject to change without notice. Subject to underwriting terms and conditions. Some restrictions may apply.
We also offer residential mortgage options for:
- VA Loans
- FHA Loans
- Jumbo Loans
Contact any of our local mortgage lender experts to talk more about your residential mortgage options or apply online today!

*Loans are subject to credit approval.
Meet Your Mortgage Lending Team
Our team of professionals offers years of experience in helping people finance the homes of their dreams. Contact any one of our lenders or stop into any Pennian Bank office for more information.

Billie Jo Deiter
Vice President and Branch Executive Officer, Ickesburg Office
717-438-3050 ext. 20601
Michele Fry
Vice President and Branch Executive Officer, Delaware, Tuscarora Valley and East Waterford Offices
717-535-5158
Holly Tusing
Assistant Vice President and Branch Executive Officer, Mifflintown and Fermanagh Offices
717-436-8968
Genna Brownback
Vice President and Branch Executive Officer, Bloomfield Borough and Loysville Offices
717-789-2400
Nanci Aumiller
Senior Vice President and AML/BSA/OFAC Compliance and Security Officer
717-436-2144 ext. 20170