• Market leading mortgage interest rates
• No loan origination fees (savings of $695)
• One FREE rate relock opportunity ($400 value)
  • NEW BENEFIT:  up to $250 credit on rate buy down options
• Available to PSEA Member and their families (spouses, parents, children, and siblings)

Home Equity Credit Line: Loan in a Line

• Secured by primary residences
• Is it a Line of Credit? Loan? Both?
  • Always can be used as a Line of Credit.
  • Can convert any portion of the line of credit into a fixed rate/fixed term home equity loan (up to 9 loans).
• Loan in a Line rates are the prime rate with a minimum rate of 3.25% ($75,000 and over), or 3.5% (under $75,000). Call for current rates.
• No Annual Fee ($25 annual PSEA discount)
• Low introductory rates.
• Home equity loans up to 89.9% Loan-to-Value (LTV)

Personal Line of Credit

• Unsecured loans
• Accessed by checks (No deposit account required)
• No annual fee ($50 annual discount, and $49 processing fee waived for PSEA members and their families: spouses, parents, children, and siblings)
• Rates are prime rate plus 3% with a minimum rate of 7%

Want to save money on settlement services for your refinance or purchase of real-estate?

Advise your lender, including the PSEA endorsed AmeriServ Bank, that you would like to use Capstone Land Transfer LLC for your settlement/title insurance and pay no settlement fees.  Capstone waives all fees for PSEA Members, offers state-wide service, and will conduct the settlement at a location that is convenient for you! 

PSEA Members and their families (parents, children, brothers & sisters) can save $415 on settlement/title insurance when purchasing or financing a home by using Capstone Land Transfer.  

Save even more by combining AmeriServ’s great mortgage rates, waived lender fees, free rate relock and $250 rate buy-down credit with Capstone Land Transfer’s settlement services to maximize your savings!

For more information, please contact Capstone Land Transfer at 717-857-7772.