Buy a home

Buying a home can be easy with ACNB Bank.

Whether it’s your first or next home, our experienced lenders can help.

Let's Get Started

Fixed-Rate Mortgages

Lock in your rate for the life of your loan.

  • Terms up to 30 years
  • Stable, budget-friendly payments

Compare Rates

Adjustable-Rate Mortgages

Enjoy lower rates and monthly payments with a variable rate.

  • Terms up to 30 years
  • Rates can be locked for 1, 3, 5, or 7 years
  • Better for shorter term loans

Compare Rates

Specialty Mortgages

Find the special mortgage programs for your unique needs.

Contact a Specialist

Documents for Application:

Below is a list of documents needed for application.

  •     Sales or construction agreement
  •     If construction project, plans and specifications
  •     Copy of deed, including legal description
  •     Paystub from last two payroll periods
  •     Last two years of federal tax returns with W-2's
  • If self employed:           
    • Personal and business federal returns from two tax years  
    • Current profit & loss statement and current balance sheet
  • Deposit account statements from last two months
  • Names, addresses and account numbers for creditors, banks, and investment firms
Save on closing cost for mortgage

Save $100 on mortgage closing costs

Did you know that you can save $100 on closing costs?

  • If you have an Advantage Rewards checking account or an Advantage Rewards Plus checking account, you're eligible to receive $100 off closing costs for residential mortgages and home equity consumer loans and lines on a primary residence. 

Learn More

Medical and dental professionals special mortgage program

Mortgage Loans for Medical Professionals

Special home buyer program for medical professionals in their field for less than 10 years.

  • Special home buyer program for new doctors, dentists, nurse practitioners, physicians assistants and more.
  • Up to 97% loan-to-value (LTV).
  • No monthly private mortgage insurance and as little as 3% down.

Learn More

Build a home

We can help you build the house of your dreams.

  • Buy land and build with one loan.
  • One-time closing process.
  • Up to 30 year terms available.

Learn More

Get Started

Contact a Specialist

Complete the Mortgage Information Contact form to get started right away.

Contact Us

Meet your lender

Find an experienced mortgage lender in your area that's ready to help.


Meet the team

Visit an Office

Our friendly, knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office



We have a variety of calculators available for you.



Learn, explore, and stay up to date with the latest news and articles.

Visit the Blog


Check the latest rates for all our products!

Compare Rates