At Altoona First Savings Bank, we understand that a home is more than just a place to live—it’s a foundation for your future. That’s why we’re dedicated to helping you navigate the path to homeownership with our comprehensive mortgage offerings. Whether you’re a first-time homebuyer, looking to refinance, or searching for your forever home, we’re here to listen, learn, and guide you every step of the way. With competitive rates, flexible terms, and a commitment to your success, Altoona First Savings Bank is your trusted local partner for all your mortgage needs.

Home Purchase or Refinance


  • Competitive Rates
  • Local Decision Making
  • Fast Closings


  • Wide range of mortgage options, including:
    • Fixed and adjustable rates
    • First-time homebuyer specials
  • Bi-weekly payments available to reduce interest paid
  • No pre-payment penalty
  • Friendly loan advisors with working knowledge of local real estate
  • Pre-qualification available for extra confidence when it comes to securing financing
  • Local decision-making and fast closings

First Time Home Buyer

Purchasing your first home is an exciting stage in life, and comes with many steps along the way. That’s why Altoona First Savings Bank is committed to helping your home ownership dreams come true by guiding you through the process step by step, working alongside you to get you the purchasing power you need while arming you with the tools and resources needed to make the best decisions.


  • No points
  • Low closing costs
  • Low down payment
  • No private mortgage insurance (PMI)
  • Competitive fixed rates

Construction Loan

Whether you are building your dream house or are adding the sun porch you’ve always wanted onto your current home, we have the construction loans to help you bring your vision off the page at competitive rates that work for you.


  • Choose between Fixed or Adjustable Rate, Fixed Term
  • One-time closing for both construction loan and final mortgage
  • Available for primary residence or second home construction
  • Payments are interest-only during construction phase
  • Local decision-making and fast processing

Land Loans

Secure the foundation of your dreams with our land loans. We provide the financial support you need to acquire your ideal piece of ground. Build your future from the ground up with our competitive rates and flexible terms. Your journey to land ownership starts here.


  • Up to 65% loan-to-value on raw land
  • Up to 75% loan-to-value on improved land
  • Local decision-making and fast processing

Double Wide Manufactured Home

Unlock your dream of homeownership with our manufactured home loans. We offer competitive rates and flexible terms to make your path to a new manufactured home easier than ever. Start building your future today.


  • Single family, owner-occupied dwelling;
  • Terms up to 25 years
  • Construction terms up to 6 months
  • Owner must own land
  • Up to 80% of appraised value
  • Local decision-making and fast processing

Mortgage Loan Originators

The National Mortgage Licensing System and Registry (“NMLS”) was established as part of the SAFE Act. It allows consumers to be confident they are interacting with a mortgage lender registered with the NMLS and authorized to originate mortgage loans. Altoona First Savings Bank’s NMLS Number is 781939. Following is a listing of Mortgage Loan Originators:

List of Lenders, their offices, and their NMLS numbers.
Office Lender Name NMLS
Altoona Jessica L. Altman 792051
Duncansville Mary Ann Hughey 786348
Duncansville Shannon M. Block 786347
Bedford Alexis N. Trenger 2173145
Martinsburg Sarah E. Estright 1495668
Everett Denise A. Mock 786354