Loans... what we do best!

Whether you're buying a brand new home or something with a bit of age and character, you want a sturdy place that can stand the test of time. The same goes for your mortgage. At Luzerne Bank, our experienced lending team will guide you to an affordable loan that you can comfortably live with for years to come.
 
You can Call, Click, or Come In to start this process. If you would like to begin the pre-approval process online, go to apply.luzernebank.com.

Phone:  570-288-4511
 
Mortgage Pre-Approval
 
Luzerne Bank is a full-service financial institution headquartered in Luzerne and serving customers in Central and Northeast Pennsylvania.



  • Fixed rates, longer term financing with minimum down payment options.
  • Competitive market rates.
  • Financing for some or all closing costs.
  • No down payment required.
  • Government backed loans may have specific geographical limitations, family status, income, purchase price limits, and/or property requirement.
  • Minimum down payment requirements.
  • Below market fixed rates.
  • Some programs provide down payment and/or closing cost assistance.
  • Available to first time and non-first time homebuyers.
Government backed loans may have specific geographical limitations, family status, income, purchase price limits, and/or property requirements.
  • Eligible Veterans have no down payment requirements.
  • Refinance options available.
Government backed loans may have specific geographical limitations, family status, income, purchase price limits, and/or property requirements..
  • Minimum cash down payment requirements.
  • Insured by the Federal Housing Administration (FHA).
  • Government backed loans may require certain geographical, family status, income, purchase price limits, and/or property requirements.
  • Single or two close loans
  • Bridge & Blanket Loan
  • Temporary financing to help purchase your new home before you sell your current home
  • Options tailored to meet your needs
  • An option when your mortgage does not meet the guidelines of government sponsored enterprise.
  • Applies to Pennsylvania mortgages over $647,200 (over $970,800 in Pike County)
  • Financing for primary, secondary or vacation homes
  • Competitive rates
  • Refinancing options available
  • Financing for your exclusive property.
  • Custom Portfolio Options
  • Mortgage options to meet your unique situation
  • Options available to keep mortgage local
  • Short-term loan used until an existing obligation is removed.











Home Icon Your Home Loan Toolkit
 
The "Your Home Loan Toolkit" booklet, produced by the Consumer Financial Protection Bureau (CFPB), is a great step-by-step guide to help you on your path of owning a home.
 

Calculator  Calculators

Whatever you're borrowing for, it's good to run the numbers and figure out how the payments are going to affect your budget.

Computer that displays the Luzerne Bank website.

Ready to experience Luzerne Bank?