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Mortgage Loans

Your home is probably the center of your activities... your life... your family’s lives. If home is your hub... then S&T Bank has everything you need for home finances.

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Conventional loans

S&T offers conventional financing with competitive fixed rates for the purchase of your new home or refinance of your existing home. With low down payment options, we can help to make home ownership affordable.

Portfolio loans

S&T provides financing opportunities for unique properties and borrowers that are generally not accepted in the secondary market.

Construction loans

Construction loans from S&T Bank feature one convenient closing that allows customers to convert their construction loan to a permanent mortgage at the end of the construction period. There are also options to begin new construction while still living in your current home.

Community Champions

With low down payment options, expanded loan-to value ratios, no mortgage insurance requirements, and discounted origination fees, the Community Champions program offers financing for public or private chartered school teachers, registered nurses, EMTs, employees of a police force, and paid firefighters.


Professional Mortgages

We offer mortgage loans with low down payment options, expanded loan-to-value ratios, and no mortgage insurance requirements to medical doctors, attorneys, and doctorate degree-holders.



With a pre-approval you will know exactly what you can afford, giving you the confidence you need in your home search. Sellers will consider your offer more seriously knowing that you've been pre-approved for financing.

Bridge loans

Bridge loans enable customers to use the equity in their present home toward financing a new home. It's a powerful tool that buyers can leverage to get a deal moving.

First-time homebuyers

This is a great option for first-time homebuyers with modest savings. Make the dream of home ownership a reality with conservative payments and no minimum contribution from the borrower's own funds.*

VA loans

Veterans, service members, and eligible surviving spouses may be eligible for loans that are guaranteed by the U.S. Department of Veterans Affairs. VA loans feature competitive rates, low or no down payment, and no private mortgage insurance requirement.


We're an approved lender to offer loans insured by the Federal Housing Administration. FHA loans offer borrowers with less than perfect credit competitive interest rates and low down payment options.

*Income restrictions apply