Mortgages

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 (Opens in a new Window) 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 (Opens in a new Window) 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
MariBeth ValadaMariBeth Valada
Mortgage Advisor
NMLS ID #2643448
570-253-3362 x8039

The Open Door Mortgage Program

The Open Door Mortgage Program provides a flexible option for homebuyers complete with 360° degrees of support from application to closing. You find the house. We’ll find the solution. Opportunity knocks with the Open Door Mortgage Program. First-time and experienced home buyers can take advantage 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 (Opens in a new Window), call 1-800-426-4884 or email us at mtgctr@hnbbank.com.

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.

What is a Credit Trigger Lead and How Does it Affect Me?

Did you know that when you apply for a mortgage loan and the lender pulls a credit report, it triggers an inquiry that credit bureaus may sell to other mortgage lenders?

Lenders pull a credit report using certain “codes” to demonstrate they have permissible purpose to do so. These codes trigger to the national credit reporting agencies such as Equifax, Experian, Innovis, and TransUnion, that a consumer is shopping for a mortgage.

This is what is known as a credit trigger lead. This will contain your contact information and expose you to unsolicited sales calls from other lenders and third-party vendors. This practice is not illegal, but may prove to be a nuisance. 

Contact one of our Mortgage Advisors for information on how you can stop trigger-lead harassment.