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FHA Loans
Explore FHA loan options for eligible homebuyers with guidance from our mortgage professionals.
Ready to Buy a Home With an FHA Loan?
FHA Loan Options
What Is an FHA Loan?
FHA loans are mortgage programs insured by the Federal Housing Administration (FHA) that may help eligible borrowers achieve homeownership with lower down payment requirements than some conventional loan programs. Eligibility, property, and underwriting requirements apply.
Why Consider an FHA Loan?
FHA loans offer features that may benefit eligible homebuyers:
- Down payment options as low as 3.5% for qualified borrowers
- Gift funds may be used toward eligible down payment and closing costs
- Credit, income, and debt-to-income requirements are based on FHA program guidelines and loan review
- Seller contributions may help reduce eligible closing costs, subject to program limits
- Financing is available for eligible owner-occupied properties
- Designed to support a variety of homeownership needs for qualified borrowers
Have Questions About Mortgage Loan Options? Let's Talk About Your Goals.
Whether you're buying your first home, building a new one, refinancing, or exploring specialized loan programs, our local Mortgage Officers can help you understand your options and answer your questions.
Work With Our Mortgage Officer Team
Whether you're buying your first home, your next home, or refinancing, Orrstown Bank's mortgage lenders are here to answer your questions, explain available financing options, and provide guidance throughout the mortgage process. Serving Pennsylvania and Maryland, our local team is committed to helping you understand your options every step of the way.
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Home Buying Guide
From budgeting and mortgage options to closing day, find information about each step of the home buying process.
Savings Accounts
Savings accounts for everyday savings, planned purchases, and longer-term savings.
