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Mortgage Products

Fulton Mortgage Company offers a variety of mortgage loan options with multiple rate and point options including zero points or assistance with your closing costs. Not all products are available online.

To view the products available online, use the drop-down menu to the left to select your bank. Upon page load, click on the CHECK RATES tab and provide your information for a personalized product and rate quote.

Adjustable Rate Mortgages

Frequently referred to as ARMs. Like the Balloon, an ARM has a lower rate than a traditional fixed rate mortgage. This benefits the borrower by allowing them to save on interest costs or qualify for a larger mortgage payment. ARMs are excellent alternatives if the borrower does not plan to stay long in the property. ARMs come with many different adjustment periods ranging from 1 year to 10 years. Fulton Mortgage Company offers a variety of ARMs to suit your specific needs.

Community Homebuyers Mortgage Programs

Fulton Mortgage Company takes pride in making homeownership available to everyone. This program offers a low downpayment and expanded qualifying ratios. Attractive interest rates make homeownership a reality.

Construction to Permanent Mortgages

Thinking of building your dream home? Fulton Mortgage Company offers one low rate during construction and automatically converts into a fixed rate loan. If rates come down during the construction of your home, you can capture the lower rate by taking advantage of our re-lock feature. We offer the convenience of one settlement. The funds are advanced according to a draw schedule that you and your builder agree upon. As your home is built, you pay interest only on the amount that is drawn down.

FHA Mortgages

These Government backed loans feature a low down payment and no maximum income limitations. FHA loans are available in fixed rate or ARM options. Insurance from the Federal Government replaces private mortgage insurance. Maximum loan amounts vary by county.

Fixed Rate Mortgages

The low interest rate environment has made fixed rate mortgages more attractive than ever. Rest easy knowing that your payment will be fixed for the life of the loan. Many people refinance into shorter term mortgages and save thousands of dollars in interest over the life of the loan.

Investment Property Mortgages

Diversify your portfolio. Mortgages for non-owner occupied homes are available with low downpayments. Choose from fixed or adjustable rate loan programs.

Jumbo Financing for Loans

Fulton Mortgage Company can help finance that exclusive property. Jumbo loans start at $417,000. Fixed and adjustable rate options exist, tailored to your specific financial needs. Private Banking services are also available to complement your lending requirements.

Pennsylvania Housing Finance Agency (PHFA) Mortgages

Only available for Pennsylvania residents. PHFA issues bonds to support housing initiatives across the state of Pennsylvania. The advantage is a below-market interest rate for low to moderate income homebuyers. Qualifying income limits apply based upon the county in which you are purchasing the home. There are also maximum mortgage amounts so check with us to see if you qualify.

Reverse Mortgages

Fulton Mortgage Company offers government insured reverse mortgages. A reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home equity into income - without having to sell their home, give up title to it, or make monthly mortgage payments. The loan only becomes due when the last borrower(s) permanently leaves the home. Funds can be taken in a lump sum, as a monthly payment to the borrower or as a line of credit. The amount a home owner is eligible for is determined by their age, home value and the existence of any current mortgage loans.

Contact our Reverse Mortgage Specialists :

Second Home Mortgages

Fulton Mortgage Company can also help you purchase a vacation home. Fixed rate and adjustable rate mortgages are available. You can finance up to 90% of the purchase price. Enjoy your vacation knowing you are building equity!

VA Mortgages

One of the benefits of serving your country. Eligible veterans can finance up to 100% of the purchase price of many homes without having to pay mortgage insurance. The seller of the property can assist by paying up to all of your closing costs. Imagine buying a home with no money out of your pocket! Reservists may also be eligible depending on time served.