WELCOME TO MEMBERS 1ST MORTGAGE SERVICES
 

Buying your first home? Refinancing? Moving into a larger or smaller home? Relocating? Whatever your needs, we have a mortgage program tailored for you.

You now have an alternative to applying for your mortgage in person or over the phone. Use our easy online application to apply from any computer, and receive your answer within 90 seconds of completing your application! It’s that simple.
   

It's easy to apply for a Members 1st mortgage.  Call (800) 283-2328 extension 6026 or (717) 795-6026 to set up an appointment with a Mortgage Specialist or to schedule a phone appointment.

 
Mortgage Services Department Hours
 
        Monday - Friday       
            9:30 a.m. - 5:00 p.m.
 

To the left of this page are a variety of helpful resources as you apply for your mortgage:

  • Frequently Asked Questions - Have a question?  Start here first to find the answers you're looking for.
  • Calculators - Use our calculators to help you determine your estimated monthly payment, how much you can afford and more.
  • Dictionary - Not sure about some of those unfamiliar terms in the mortgage application?  Use the dictionary to take the uncertainty out of the mortgage process.
If you have an Agreement of Sale:
Apply Now and your Members 1st mortgage can close in 60 days or less.
  
If you do not yet have an Agreement of Sale:                               Members 1st's Mortgage Specialists will guide you through the process from start to finish.  Apply for a Members 1st Mortgage Now , before you visit a realtor or begin shopping for a home.  You can receive a PRE-APPROVED MEMBERS 1ST MORTGAGE LOAN COMMITMENT.  Your Mortgage Loan Commitment will give you greater negotiating power and will indicate to sellers and agents that you are a serious buyer.  Use our Real Estate Calculators to estimate how much house you can afford, your monthly payments, and more.
 
Fixed Rate Mortgages
Members 1st has fixed-rate mortgages available with terms of 15, 20, and 30 years. Choose a longer term for a lower payment or a shorter term for a lower interest rate. A fixed-rate mortgage is right for you if you want a constant monthly payment or you plan to stay in your home for a long period of time.
  
Rate Lock 
Members may lock the interest rate for their loan for a period up to 135 days.  The lock period is the period of time during which the interest rate will not be raised or lowered if the closing occurs within the lock period.  The member has the option of locking the interest rate from the time we receive a full credit application until ten (10) business days before the closing date.  The table below references the Rate Lock Terms available and any additional Rate Lock Fee needed to lock in the rate for a specific time period.
 
Rate Lock Term Rate Lock Fee
Fixed Rate
1-60 Days Free
61-105 Days .375%
106-135 Days .750%
  
 
How can a member lock their interest rate after application?
Members can lock their loan rate until ten (10) business days before the closing by calling Members 1st and speaking with your Mortgage Specialist. The Mortgage Specialist will complete the Rate Lock Request Agreement with you over the phone. We will mail you a confirmation once your rate has been locked.
  
What decisions must a member make in order to lock in their interest rate?
A member must select the loan amount, rate, points, and term of the loan. The member must also select the account number and share number from which we can withdraw the nonrefundable application fee of $375.
 
What is the Rate Lock Fee?
The Rate Lock Fee allows members to lock their mortgage loan rate for a longer term than what Members 1st provides for free. The Rate Lock Fee depends on the term you choose, and is a percentage of the loan amount, as reflected in the table above. The fee will be collected when the loan is closed.
 
What if a member does not lock the rate?
Members 1st will automatically lock the rate for a mortgage loan seven (7) business days prior to closing if the member does not do so before that time.

Important Reminder: A rate is not locked or guaranteed until a member completes the steps above.

The Mortgage Rate Lock Agreement is not an approval of any mortgage application or a commitment from Members 1st to approve or fund any mortgage.