Fast. Quick. Swift. All of these are synonyms for the word “rapid.” Why is that important for you to know? Because with our Rapid Refi, you can save some serious cash and quickly, when you refinance your primary or secondary home.


  • Terms up to 20 years, fixed rate or ARM available
  • Rate guaranteed for 60 days from application1
  • Electronic payment credit applied at closing2
  • ESSA Checking Credit applied towards closing costs3
  • Refundable appraisal fee is available as a credit at closing4
  • Maximum loan amount is $200,000

For a timely response you must direct all billing inquiries and requests for information on your loan to:  ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.


All loans are subject to credit approval. ESSA Bank & Trust guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.


When borrower authorizes electronic payment - either autopay or ACH.


For borrowers who have an existing ESSA personal checking account that has been open for at least 6 months prior to the mortgage application date.


Refundable appraisal fee is available to borrowers who have had an ESSA primary home mortgage loan within the past seven years. Fee refund applies to the first mortgage loans only and may be granted not more than once every 24 months. Refund of $400 is applied at closing. Some restrictions apply.