mortgage advisors sitting on porch

Home is Where the Heart Is

You’ll immediately know the feeling once you’ve found where you’ll begin your newest chapter. At HNB, we know it’s not just about finding the right home; it’s about the comfort in knowing you have the right team and services to make it yours. We offer great rates and services such as:

  • First-Time Home Buyer Programs
  • FHA Loans
  • RHS Loans
  • Fixed-Rate Mortgages
  • Home Equity Loans
  • Refinancing/Debt Consolidation
  • New Home Construction
  • Adjustable Rate Mortgages
  • PA Housing Finance Agency Loans
  • And More

Mortgage Advisors

Our Mortgage Team provides personalized, informative and timely service to help you finance your dream with less stress and more bubble wrap. Our team is ready and able to help you identify a house to make a home. Contact your preferred advisor below or visit our HNB Mortgage Center to learn more about our team members.

Alyssa Herzog headshot
Alyssa Herzog
Mortgage Advisor
570-253-3362 x 2504

Sara Gardner headshot
Sarah Gardner
Mortgage Advisor
570-253-3362 x 3007

Sara Rutt headshot
Sara Rutt
Mortgage Advisor
570-826-1800 x 8039

Ralph Scartelli headshot
Ralph E. Scartelli
VP, Residential Mortgage Sales Manager
570-226-8300 x 2508

The HNB Open Door Mortgage

You find the House. We’ll find the Solution. Opportunity knocks with the HNB Open Door Mortgage. first-time and experienced home buyers can take advantage of HNB's Open Door Mortgage program with quick approvals and low fees to unlock the feeling of being home.

  • Available to first-time or experienced home buyers
  • Only 3% down
  • Gifts and sellers' assist allowed
  • Various terms available
  • No income limits
  • Maximum loan amount of $175,000
Limitations and restrictions apply. Subject to credit approval. Please contact an HNB Mortgage Advisor for complete details.

The 15/1 Adjustable-Rate Jumbo Mortgage

Benefit from a great rate, local and personalized service from doorstep to next step.

  • 3.5% interest rate is fixed for the first 15 years of loan
  • After 15 years, rate becomes a 1-year adjustable interest rate
  • 3.556% APR is subject to increase

*Rate as of August 31, 2021 and is subject to change at any time. The 3.50% interest rate is fixed for the first 15 years of the loan and then becomes a 1-year adjustable interest rate. Primary or secondary residences as well as purchase or new construction are eligible.

To qualify for the advertised rate: (1) The loan amount must be $550,000 or greater; (2) applicant’s credit score must be 700 or better; (3) the loan-to-value ratio cannot exceed 80%; (4) requires automatic payments from an HNB account.

Cash out options do not qualify. At a 3.50% initial interest rate, the APR for this loan type is 3.556% subject to increase. The APR is based on an assumed loan amount of $600,000 on a $750,000 property. Other terms, conditions, fees may apply. This is not a commitment to lend.

Alyssa Herzog and Sara Gardner

Where to Begin?

Overwhelmed? Buying a home is one of the biggest purchases most individuals will make in a lifetime. The HNB Mortgage team is here every step of the way to make the process simple and manageable.


Helpful Tips and Resources

For more information please visit our online Mortgage Center, call 1-800-426-4884 or email us at