dad holding daughter on shoulders

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! 
  • 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 one of our JBT Mortgage Originators. If you ever have any questions on your mortgage, one local call can connect you to fast, dependable answers. 

Limited time offer.

No Mortgage Application Fee*

*Offer applies to new JBT primary residential first mortgage applications only. 95% maximum loan to value. Property insurance and title insurance required. Flood insurance may be required. Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will be greater. Offer may be withdrawn at any time and cannot be combined with any other offer. Other fees and restrictions may apply.

Photo of Lori Moyer, JBT Mortgage Originator

Your Local Contacts

Lori Moyer
(Never send confidential personal information via email)


Cindy Rauch
(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.

Photo of Cindy Rauch, JBT Mortgage Originator
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%1, cancellable mortgage insurance2, 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.

Federal Mortgage Programs


 FHA Loan
The Federal Housing Administration (FHA) offers mortgage loans that can help you buy your first home. With low down payment 3 requirements and flexible underwriting guidelines, you may find an FHA mortgage helpful when you have limited funds or little credit history. JBT can help you understand the requirements involved and take advantage of the FHA Loan features that may benefit you most.
 USDA Loan
The Unites States Department of Agriculture (USDA) offers a loan program that can help buyers qualify for a mortgage with up to 100% financing.As a guaranteed loan with less emphasis on credit scoring, the fixed interest rate offered to you is competitive with traditional loans. There are additional features and benefits as well. JBT can help you take advantage of the USDA Loan features that could help you most.
 VA Home Loan
Guaranteed by the Department of Veterans Affairs (VA), the VA Home Loan program offers eligible active-duty service members, veterans, and select spouses an affordable path to homeownership. Loan features include more flexible qualification guidelines and up to 100% financing. JBT can help you take advantage of the VA Home Loan features that may benefit you most. This is a wonderful program that helps give back to those who have given so much for our country
1- 97% LTV can use any fixed-related term (10-, 15-, 20-, 30-year).
2- Restrictions Apply
3- May require private mortgage insurance.

No guaranty of loan approval is implied. This is not an offer to enter into agreement or commitment to lend. All products are subject to credit and property approval. Terms, rates and programs are subject to change without notice.

To view Acrobat PDF documents, download the free Adobe Acrobat Reader

All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
All rights reserved.
First Front Door © 2018 FHLBank Pittsburgh.
HomeReady® Mortgage © 2018 Fannie Mae

Ways to Contact JBT

Find a Branch Phone eService