Penn Community Bank

FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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A more accessible
path to homeownership:

Home Opportunity
Mortgage

Homeownership may be closer than you think. Our Home Opportunity Mortgage helps break down common barriers like down payments, closing costs, and credit requirements with flexible financing designed to make getting home more attainable.

Ready to Take the First Step?

Complete the form below to connect with a Penn Community Bank Mortgage Loan Officer.

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Let's Make Home Ownership Happen

$0 Down Payment Options²

Qualified homebuyers may be able to finance up to 100% of their home purchase, reducing one of the biggest upfront barriers to buying.

Reduced Closing Costs

Spend less upfront with reduced closing costs designed to make getting into your new home more affordable.

No-Cost Homebuyer Education & Access to Grant Programs³

Get helpful guidance throughout the homebuying process and access to grant programs that may provide additional financial assistance.

More Flexible Credit Requirements⁴

A reduced minimum FICO credit score requirement can help open the door to qualified buyers who may not meet traditional mortgage requirements.

No Private Mortgage Insurance (PMI)

Put less down without the added monthly cost of private mortgage insurance.

Competitive Mortgage Rates

Take advantage of competitive rates designed to help make your monthly mortgage payment more manageable.

1Home Opportunity Mortgage Program (“Program”) is available for owner-occupied single-family purchase residential properties only; not available for rental or investment properties or refinances of existing loans. Maximum income restrictions apply.

2Up to 100% Loan-to-Value loan options available; subject to property appraisal value, sales price and/or other underwriting criteria.

3Penn Community Bank will assist borrower with identifying grant program opportunities borrower may be eligible for, but is not a grant program administrator. Individual grant program eligibility requirements apply and may vary.

4There is a reduced FICO credit score requirement for program eligibility, but borrower must still meet satisfactory obligation repayment history and other underwriting requirements. Homebuyer education program participation may be required.

All home lending products are subject to credit and property review and approval. Various fixed and variable rate home loan terms and Annual Percentage Rate (APR) options are available and may vary for approved loans based on underwriting criteria. Property insurance is required. Additional terms and conditions may apply. Information accurate as of October 27, 2026, and subject to change. Ask for full details. Member FDIC and Equal Housing Lender.