Mortgage Loans

Purchasing a home is one of life's major milestones.
A Horizon mortgage loan* makes it easy.

Couple with key to new home

Building Futures, One Home at a Time

Let our team of trusted local Mortgage Professionals provide the support you need throughout the homebuying process!

Apply Now!

As your trusted Local Mortgage Lender, we provide:

  • Free Pre-Approval.
  • Competitive Rates.
  • Variety of mortgage options.
  • Excellent local service!

Apply Now!

Download Horizon Mortgage Information Sheet

* Subject to credit approval. Rates are based on credit history and creditworthiness. Rates are subject to change without notice. Pre-approval is subject to meeting criteria for credit, income, satisfactory valuation of the property, and/or possible other criteria. All applicants must be or become members upon approval. Membership eligibility required. Other terms, conditions and qualifications may apply. Federally insured by NCUA. Equal Housing Lender. NMLS# 461245.

Meet Our Team

Tegan Spirko

Tegan Spirko

NMLS# 2546225
Phone: 570-326-3636 x135
Email Tegan

Tegan has 15 years of mortgage lending and banking experience, with a majority of the time specifically in loan operations and mortgage. Tegan has extensive knowledge in underwriting, loan maintenance, tracking fire and flood insurance, rate testing, HMDA analytics, compliance, and experience as a mortgage closer.

Tegan has lived, worked, and worshiped in the area her entire life. She currently lives in the Loyalsock area with her husband and two sons. Tegan's goal is to help those looking to purchase or refinance their home by making the process easy to understand and delivering the same standard of service she would expect for her own family. If you, or anyone you know, is in the market to buy or refinance their home, Tegan would be honored to be a part of that process.

Rebecca Metz

Rebecca Metz

NMLS# 2552498
Phone: 570-326-3636 x140
Email Rebecca

Rebecca Metz joins Horizon Federal Credit Union with five years of experience in lending, finance, and sales. She has over a decade of experience working with customers, reviewing their financial information, and assisting them in achieving their financial goals. Working in customer service has provided Rebecca the knowledge to succeed as a Mortgage Professional.

Rebecca was a certified top performer for General Motors and achieved her Mark of Excellence Award in 2022. A native of Lock Haven, Rebecca has lived in the State College area since January 2011. She enjoys spending her free time with her husband, three children, and two dogs. Her goal is to help those looking to purchase or refinance their home by making the process seamless, easy to understand, and delivering exceptional service!

If you, or anyone you know, are in the market to buy or refinance a home, Rebecca would be honored to assist you in that process.

Bethany McDonald

Jackie Celaya

NMLS# 380493
Phone: 570-326-3636 x333
Email Jackie

Jackie has over 30 years' experience in the industry, serving as a realtor, loan officer, underwriter, and escrow assistant. She has built her business on referrals, with a list of clients who have referred their children and grandchildren to her.

Jackie has the talent and experience needed to help make the dream of homeownership come true. If you are considering purchasing your first home, a new home, building your perfect home, or refinancing, Jackie is there to guide you through the process.

Additional Resources





  • To Rent or To BuyTo Rent or To Buy
  • How to Save on Housing CostsHow to Save on Housing Costs
  • Paying Back a LoanPaying Back a Loan?