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Mortgage Loans

Today's Rates

Fixed Rates
30 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.612%  1.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.595%  0.500%
15 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.207%  0.250%
10 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.422%  0.500%
Adjustable Rates
3 Year Adjustable Rate
 Rate  APR  Points
 4.400%  5.352%  0.000%
5 Year Adjustable Rate
 Rate  APR  Points
 4.400%  5.189%  0.000%
7 Year Adjustable Rate
 Rate  APR  Points
 4.450%  5.011%  0.000%
10 Year Adjustable Rate
 Rate  APR  Points
 4.625%  4.970%  0.000%
Balloon Rates
15 Year Balloon with a 30 Year Amortization
 Rate  APR  Points
 4.875%  4.908%  0.000%
FHA Rates
FHA 30 Year Fixed Rate
 Rate  APR  Points
 4.500%  5.222%  0.000%
VA Rates
Federal VA 30 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.632%  0.000%

Personalized Quote

Home Center

Joy Juliette

Mortgage Banker

614 Liberty Boulevard
DuBois, PA 15801
o: 814.375.3813
f: 814.375.3839
NMLS # 414290

This home-grown gal has spent her entire 34 year career at S&T Bank in several different roles, but has found her true calling in residential mortgage. Away from the office, you can find Joy and her girlfriends hitting the antique shops and attending the "Junktique" flea markets in search of the one-of-a-kind prize. She is always looking outside of the box for an item that can be repurposed to fit her needs. She enjoys helping her husband incorporate her purchases into the many landscaping projects around their 26 acres.

The same approach Joy takes to finding her unique purchases is applied to her professional life with S&T Bank. Joy is always looking to find the right solution for her borrowers and thinking outside of the box to offer the right financing option to meet their needs.

Personal Approach

  • Takes the time to listen and answer all of her borrowers questions to ensure that she is fitting them with the right mortgage product
  • Understands that every mortgage is the beginning of a new relationship, not simply a transaction

Market Expertise & Experience

  • Serving the greater DuBois market area for over 34 years
  • Experienced in several departments within the bank allowing for a unique and comfortable approach to offering financial solutions for the borrowers


  • Greater DuBois Area Builders Association, Secretary
  • DuBois Relay for Life, Team Member
  • Punxsutawney Chamber of Commerce, Past Board Member