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
  • Federal Housing Administration (FHA) Loans
  • Rural Housing Service (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.

Ralph Scartelli headshot
Ralph E. Scartelli
VP, Residential Mortgage Sales Manager
NMLS ID #129612
570-226-8300 x2508

Alyssa Herzog headshot
Alyssa Herzog
Mortgage Advisor
NMLS ID #1528539
570-253-3362 x2504

Sarah Gardner
Sarah Gardner
Mortgage Advisor
NMLS ID #1951179
570-253-3362 x3007

Sara Rutt headshot
Sara Rutt
Mortgage Advisor
NMLS ID #1562502
570-826-1800 x8039

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.

Alyssa Herzog and Sara Gardner

Contact Us

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

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. Visit our HNB Mortgage Center to begin the application process.