The calendar and calculator, two very different items, but important items for every homeowner. Planning your next mortgage payment and budgeting your other bills can be stressful. We want to offer you a payment option that could save you interest and help pay off your loan early; our Bi-Weekly Mortgage. For example, if you divide the usual monthly payment in half and pay every two weeks, you could pay off a 30 year mortgage in roughly 23 years. What are you waiting for?!


  • Fixed interest rate
  • Rate guaranteed for 60 days1
  • Terms up to 30 years
  • Required electronic payments on alternating Wednesdays
  • Refundable appraisal fee available as credit at closing2
  • Make payments toward the principal and interest every 2 weeks, instead of once monthly

For a timely response you must direct all billing inquiries and requests for information on your loan to:  ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.

All loans are subject to credit approval. ESSA Bank & Trust guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.

Refundable appraisal fee is available to borrowers who have had an ESSA primary home mortgage loan within the past seven years. Fee refund applies to the first mortgage loans only and may be granted not more than once every 24 months. Refund of $400 is applied at closing. Some restrictions apply.