Residential Loans | Mortgage Loans | Ambler Savings Bank | Montgomery and Berks County, PA
 

Residential Lending

 

How can we help you? 

We're your trusted neighborhood bank for all your lending needs. Whether it’s a home equity line of credit, mortgage refinancing, or a first-time mortgage, we have solutions to help you! Click below to learn more. 

Pre-qualification

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Buy a Home

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Home Equity 

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Refinance

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30-Year Fixed Mortgage 

5.97% APR*

Looking for a mortgage?

Our experienced, local team will help you through the process.

*APR = Annual Percentage Rate. Owner occupied with loan-to-value (LTV) up to 95%. PMI insurance is required on all mortgage loans over 80% LTV. Maximum loan amount of $750,000. APR is based on a $150,000 loan with 20% down. Example: Based on a 30 year fixed rate mortgage loan with a rate of 5.90%, you would make 360 monthly P&I payments of $889.71. This payment does not include escrow for taxes and insurance. Your actual payment obligation will be higher. Property insurance is required. Subject to credit approval. Other rates and terms are available. Rates are subject to change. For further information, please speak to one of our Loan Officers. NMLS# 504402. Rate accurate as of 12/12/2022.

 

 

Get Pre-qualified for a Mortgage

The first step to getting a mortgage is to speak to one of our mortgage lenders and get pre-qualified.

What is a mortgage pre-qualification?

This is a review of your self-reported income, debts and assets to determine how much you may be able to afford and the loan amount the bank may be willing to lend.

Get Started Today

Completing a pre-qualification is quick and easy, and doesn’t affect your credit report. It’s a great first step to explore your options as a home buyer. It will also show sellers you are capable and serious about buying a home.

Keep your pre-qualification letter handy to share with your real estate agent. Many times they will ask you to provide this when you start the search process so they can show you houses in your price range.

Get started with your mortgage pre-qualification today!

Fill out the form below to get your pre-qualification started and someone will reach out to you shortly.

We accept mortgage applications for properties located in the Pennsylvania counties of Montgomery, Berks, Bucks, Chester, Delaware, Lehigh and Philadelphia.

Note: Please do not enter personal information such as account or social security numbers in this form. Ambler Savings Bank does not transmit personal information through unsecure email. Thanks.

Contact Form 3

Purchase a Home

We understand that the purchase of your home is probably the largest and most important, financial decision you will ever make. Therefore, we want you to feel comfortable and confident while making this decision. Our experienced, professional, and friendly staff will guide you through the mortgage application process to make your home buying experience a pleasant one.

Ambler Savings Bank provides financing for the purchase of personal residences with a variety of rates and terms according to your needs.

We accept mortgage applications for properties located in the Pennsylvania counties of Montgomery, Berks, Bucks, Chester, Delaware, Lehigh and Philadelphia.

Have questions? Our mortgage lenders are here to help. Contact us today. 

  • Prequalification available
  • First Time Homebuyer Mortgage Loans, including Federal Home Loan Bank of Pittsburgh's First Front Door program
  • Low application fee
  • Prompt application processing
  • Automatic payment available from your Ambler Savings Bank accounts or from any bank or credit union in the United States
  • Personalized customer service. Speak directly to a lender about your loan servicing needs.
  • No hidden fees
  • See Our Rates

APPLY NOW

Mortgage Refinancing 

With current low interest rates, it might be the right time for you to refinance your existing mortgage. By refinancing, you may be able to reduce your interest rate, term, or monthly payment. Our local experts are ready to guide you through the refinancing process and talk with you about options.

  • Low application fee
  • Prompt application processing
  • Automatic payment available from your Ambler Savings Bank accounts or from any bank or credit union in the United States
  • Personalized customer service. Speak directly to a lender about your loan servicing needs.
  • No hidden fees
  • See Our Rates

APPLY NOW

Looking for other types of mortgage loans? We can also help you with the following:

  • Construction to Permanent Mortgage Financing
  • Approved Building Lot Financing

Have questions? Our local loan officers are here to help.

CALL US

EMAIL US

 

 

Federal Home Loan Bank of Pittsburgh’s First Front Door

first-front-door

Ambler Savings Bank is a participating lender in the Federal Home Loan Bank of Pittsburgh's First Front Door program, for qualifying first time homebuyers. Call or stop in for more information on the First Front Door program.

 

Home Equity Loans

Ambler Saving Bank makes it easy and convenient to borrow money using the equity in your home. We offer a variety of home equity loan products to fit your needs. All loans are serviced by our local lenders who are here to guide you through the application process. 

Whether you need financing for home improvements, a vacation, bill consolidation, or refinancing an existing mortgage, we will help you achieve your goal by putting the equity in your home to work through home equity loans and home equity lines of credit (HELOCs).

Home Equity Term Loans

  • Fixed and affordable interest rates with terms ranging from 5 to 25 years
  • Minimum loan amount $25,000
  • Up to 80% loan-to-value ratio
  • Automatic payment available from your Ambler Savings account or any bank or credit union in the United States
  • See Our Rates

Apply Now

Home Equity Lines of Credit (HELOC)

  • Minimum line amount $25,000 
  • Maximum line amount $750,000
  • Flexibility of withdrawing funds as you need them
  • No annual fee
  • Up to 90% loan-to-value ratio
  • Automatic payment available from your Ambler Savings Bank account or from any bank or credit union in the United States
  • Online Bill Pay - Minimum disbursement of $100
  • See Our Rates 

Special Offers

Home Equity Term Loan 

15-Year Term Loan

Application Fees Waived!*

Home Equity Line Of Credit

6-Month Intro APR*

Application Fees Waived!*

5.50% APR*

Introductory Rate As Low As:
7.25% APR* for 6 months

Variable Thereafter As Low As:
7.75% APR*

Up to 90% of Your Home's Value*

  • Minimum loan amount $50,000
  • Maximum loan amount $750,000
  • Automatic payment available from your Ambler Savings Bank account or from any bank or credit union in the United States
  • Other terms and rates available. See all Our Rates
    • Minimum line amount $25,000
    • Maximum line amount $750,000
    • Flexibility of withdrawing funds as you need them
    • No annual fee
    • Up to 90% loan-to-value ratio
    • Automatic payment available from your Ambler Savings Bank account or from any bank or credit union in the United States
    • Online Bill Pay - Minimum disbursement of $100
    • See Our Rates

 

Take the next steps... 

Apply for a HELOC today. 

Apply Now 

Interested in other home lending products? 

Learn More

 View full list of rates here. 

*15-Year Home Equity Term Loan Terms and Conditions:

5.50% APR (Annual Percentage Rate). Maximum loan amount is up to 80% of value less any mortgage balance. Minimum loan amount is $50,000 and the maximum loan amount is $750,000. Subject to credit approval. Property insurance is always required and flood insurance is required where necessary. Certain property types are not eligible collateral. Title insurance and appraisal are required on loans over $400,000. The combined amount of all third party fees for a home equity loan may generally total between $450 ($400,001 loans) and $5,000 ($750,000 loans). A $400 fee for reimbursement of waived application fees is applied for loans closed within twenty-four months. APR for entire amount borrowed. Example: A 15-year $50,000 home equity loan at a rate of 5.50% would equal an APR of 5.50% with 180 monthly payments of $408.62. Other rates and terms are available. Rates are subject to change. Additional fees may apply. Rate accurate as of 01/01/2023.

*Home Equity Line of Credit Terms and Conditions:

The 6-month variable introductory APR (Annual Percentage Rate) is based on The Wall Street Journal Prime Rate (“Prime”) (7.75% on ‎2/02/2023) minus 0.50%. Prime may change at any time and is subject to change without notice. If Prime increases or decreases during the 6-month Introductory Period, the variable introductory APR and minimum required payment will correspondingly change. The Introductory Period begins on the date of account opening. Line increases to existing HELOC's are not eligible for this offer. After the Introductory Period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the HELOC agreement. Variable APR is based on Prime plus a margin and will vary with Prime. Your APR will not exceed 7.00% above the initial APR. Apart from this "Rate Cap," there is no limit on the amount by which the rate can change during any one-year period. The HELOC term is 30 years: 10-year draw period, 20-year repayment period. Subject to credit approval. Property insurance is always required and flood insurance is required where necessary. Certain property types are not eligible collateral. Title insurance and appraisal are required on lines over $400,000. The maximum loan-to-value ratio is 90% based on credit score. Monthly payments required when there is a balance. A $400 fee for reimbursement of waived application fees is applied for lines closed within twenty-four months. Minimum line amount is $25,000. Maximum line amount is $750,000. Additional fees may apply. The combined amount of all third party fees for a line of credit generally total between $450 ($25,000 line) and $5,000 ($750,000 line). Rates are subject to change. 

NMLS# 504402

 
 
 
 
 
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