Home Mortgages & Mortgage Refinancing | OH & PA | First Commonwealth Bank Skip To Content
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Mortgage solutions for affording your dream space.

Home Mortgages

First home, second home or investment property, we can help guide you through the mortgage basics, understand the not-so-basic, and help keep it all affordable with competitive rates so you can borrow the money you need with confidence. We make home sweet home simple and convenient.

Apply for a Mortgage or Submit a Pre-Qualification

Low Interest Mortgage Options

Fixed Rate Mortgages

Finding the right home isn’t always easy. Fortunately finding the right mortgage loan with a competitive fixed rate that works for your budget and needs can be. Let’s talk and find the right one for you. We also have a new home toolkit from the CFPB.

Adjustable Rate Mortgages (ARM)

  • Interest rates may be lower than a fixed loan rate initially, allowing you to afford more on your mortgage loan, but they can fluctuate over time
  • Adjustable Rate Mortgage loans feature interest rates that move up and down based on the changes of an underlying interest rate index, which is usually the prime rate
  • Adjustable Rate Mortgage interest rates usually have caps or limits on how high it can move in a given period, but your rate can change multiple times during a year

We have a few tools to help you understand the difference between fixed and adjustable rate mortgages.

First Time Home Buyer

Buying your first home is a big deal, which is why we make a big deal out of helping you buy yours with confidence, so the home you love is the home you can afford. Learn more about our First Time Home Buyer Programs and the FHA loan options available to you.

Construction Loans

We may not be able to help with choosing paint colors and faucets, but with the right construction loan, you can afford to build and accessorize your home to make it uniquely yours.

VA Loans

USDA Loans

  • USDA loans are designed to provide assistance for buying properties in designated rural communities
  • The maximum loan amount is up to 100% of the appraised value, with no down payment required.