Home Mortgage Loans

Buying a home is a big deal!

We want to be right with you every step of the way. There’s a reason Reliance Bank was voted “Favorite Mortgage Lender” in the Altoona Mirror’s Hometown Favorites 2025 contest. Our team takes the time to understand your unique financial picture to give you the best home buying experience possible.

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Mortgage Prequalification

Searching for a new home? Let us help you estimate how much house you can afford.

Prequalification Details

Conventional Mortgages

The most common type of mortgage loan with the flexibility of a fixed or adjustable rate.

Conventional Mortgage Details

Refinancing Options

Discover options to lower your monthly payment, shorten the term of your loan or consolidate debt.

Refinancing
Details

Construction Loans

A loan that can help make your next build simpler—one application, one appraisal, one closing.

Construction Loan Details

Building Lot Loans

A loan to help you buy the land that will become the foundation of a happy home.

Lot Loan Details

Freddie Mac’s Home Possible® Mortgages

Down payment and closing cost assistance for those that need it most.

Freddie Mac Programs

Federal Housing Administration (FHA) Loans

Loan with flexible credit score requirements that may help make home ownership more accessible.

FHA Loan Details

Veterans Administration (VA) Loans

A mortgage designed to help turn our brave service personnel into homeowners.

VA Loan Details

A young couple holding keys to their new house.

Ready to start the homebuying process?

Getting Prequalified is a good first step when beginning your search for a new home.

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Mortgage Pre-Qualification

Woman using a calculator on her phone and laptop.

See what you can afford with a calculator built for real‑life budgets.

Run the numbers in seconds with our easy mortgage calculator. Compare rates, adjust terms, and understand your monthly payment before you commit.

Explore Mortgage Calculators

Getting pre-qualified is a good first step when beginning your search for a new home. In just a few minutes by phone, your Reliance Bank lender will ask a few basic questions about your financial information to estimate how much house you can afford. After you have been pre-qualified, we will send you a pre-qualification letter you can show the agent or seller to show you are working with a lender.

Benefits:

Receive a letter showing how much you may be able to afford
Proof for realtors and sellers that you’re working with a lender

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Looking for a reliable way to finance your next home? Our conventional mortgage options offer competitive rates, flexible terms, and personalized service tailored to your needs. With fixed-rate plans that keep your principal payments steady and predictable, you can enjoy peace of mind while investing in your future.

Benefits Include:

In-house approvals and loan servicing
Efficient and experienced mortgage team
Competitive rates and fees

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Looking to lower your interest rate? Refinancing may help you reduce your monthly payment, pay off your loan sooner, or tap into your home’s equity. We’ll help you find the best fit for your financial goals.

Refinance Calculator

Benefits:

A way to lower your interest rate
Pay off debt sooner by shortening term
More manageable payments
Tap into home equity for cash needs

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When you’re dealing with construction, you have enough on your mind before even considering a loan. We can help make your life simpler with just one application process, appraisal, and closing, making this one part of the build that you don’t have to worry about.

Benefits:

Keep things simple: just a single application process, appraisal, and closing.
Make interest-only payments during construction
Pay less with competitive interest rates

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If you’re planning to build your home, the dream starts from the ground up. With our Building Lot Loan, we can help you to secure the land you plan to build on.

Benefits:

Make interest-only payments for your first two years
Manage your loan anywhere with online banking
Set up automatic payments from your Reliance Bank account

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With the help of the Freddie Mac Home Possible®/BorrowSmart℠ Program, we’ve found a way to help low to very-low income borrowers become homeowners. If your income is the only thing holding you back from the next big step, this program can make it all possible.

Benefits:

Become a homeowner on a low income
Qualify for up to $2,500 in down payment or closing cost assistance
Lower interest rate loan

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Get into your dream home with limited cash assets and a smaller down payment thanks to the Federal Housing Administration Loan. FHA loans are a perfect way for families to become homeowners. We are here to support you through the application process.

Benefits:

Secure a reliable fixed rate
Borrow with no income limitations
Lower down payment option
Great for borrowers with lower credit scores

Serving our country comes with sacrifices, but the ability to buy a home shouldn’t be one of them. We’re proud to help active and veteran service personnel and their families navigate their way through the Veterans Administration funding process to secure the loan they deserve.

Benefits:

Live comfortably with lower monthly payments
VA Funding Fee replaces down payment requirement
Access funds for home improvements or emergencies with cash-out refinancing

Contact our Mortgage Team