What do you think of when you hear the word home? Is it the smell of apple pie baking in the oven or the feeling of comfort and warmth? You are starting the next chapter in your life when you buy your first home, and we want to be there to roll out the welcome mat. Our First-Time Homebuyer Program walks you through the entire process and provides many financial advantages, if you qualify.


  • Available as Fixed or Adjustable rates
  • Rate guaranteed for 60 days from application1
  • Reduced interest rates and closing costs
  • Low down payment requirements
  • Educational program detailing budgeting and disciplined saving, shopping intelligently for a home, and the purchase process is required
  • Autopay credit applied at closing2
  • Refundable appraisal fee available as credit at closing3

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.

Is initiated when borrower authorizes automatic payment from an ESSA checking or statement savings account.

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.