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Home Mortgages

Whether buying your first home or upgrading from a current one, JBT is ready to help you make it happen with a mortgage that fits you perfectly. We're a local bank, so you'll have the option of having us manage your mortgage right here where you'll live. That means if you ever have any questions on your mortgage, you can get the answers right from people you know at JBT. Look at what a JBT Home Mortgage can do for you:

  • FREE mortgage pre-qualification -- make your best offer with confidence! Photo of Elizabeth Arndt, JBT Mortgage Originator
  • Local home loan servicing
  • JBT attends settlement with you

Our goal is to provide the highest level of service at competitive rates. You can apply for your mortgage online,  learn more about the mortgage pre-qualification process, or use one of our mortgage calculators. With JBT's local advantage, you can also connect directly with JBT's Mortgage Originator, Elizabeth Arndt. If you ever have any questions on your mortgage, one local call can connect you to fast, dependable answers. 

Your Local Contact

Elizabeth Arndt
717-228-8224 (Never send confidential personal information via email)

As Mortgage Originator with JBT, I understand the homebuying, homebuilding, and financing process. I look forward to guiding you through each step of the mortgage application and approval process – from our initial meeting to the settlement table. My team and I will work to keep your experience as streamlined as possible and be there to answer any questions. I personally invite you to Bank on a Smile® with our experienced mortgage team.
Whether you're a repeat buyer, first-time buyer, or looking to refinance for lower monthly payments, the HomeReady® Mortgage program can help with a downpayment as low as 3%*, cancellable mortgage insurance**, expanded opportunities, and online education tools. 
  Fixed-Rate Loans 
Many homebuyers prefer to lock in a ‘fixed’ interest rate for the life of the loan. Planning budgets can be easier when you know what your mortgage payment will be every month. With flexible terms up to 30 years, it can be a great choice if you plan to stay in your home for more than a few years. 
 Get up to $5,000. More information.
  Adjustable-Rate Mortgage (ARM)
If you expect personal income to increase reliably in the future, or plan on being in your home only a short period, you may want to consider an ARM.  An ARM’s variable rate may offer a lower interest rate to start, and then adjust periodically (up or down) within pre-determined limits. 
  Construction Mortgage
Having a local mortgage lender really helps when you need extra flexibility in planning and building your dream home. The experienced JBT mortgage experts can help synchronize all your financing needs so you can focus on more important decisions – like the latest shower tile choices or kitchen cabinetry options. We’ll be happy to customize a complete financing plan to fit your needs.
  Custom Financing Solutions
As a local bank, JBT can be more flexible when customizing a financing solution for unusual situations. No matter what you’d like to achieve, just ask us about it. We’ll do what we can to design a customized mortgage solution that fits you and your family perfectly.



*97% LTV can use any fixed-related term (10-, 15-, 20-, 30-year).
**Restrictions Apply

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HomeReady® Mortgage © 2018 Fannie Mae