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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%  4.565%  0.250%
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
 4.450%  5.364%  0.000%
5 Year Adjustable Rate
 Rate  APR  Points
 4.450%  5.208%  0.000%
7 Year Adjustable Rate
 Rate  APR  Points
 4.550%  5.059%  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
 4.250%  4.966%  0.000%
VA Rates
Federal VA 30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.380%  0.000%

Personalized Quote

Home Center

Carly Kuzar

Mortgage Banker

2455 Oakland Avenue
Indiana, PA 15701
o: 724.465.5464
f: 724.465.5451
NMLS # 414299

Carly’s dedication to her work can only be exceeded by the passion and love she feels for her family. She is the mother to two daughters and is actively involved in her husband’s small business. It is a busy life, but she always makes time to create memories. Summers are spent camping, kayaking, and fishing. Most evenings, Carly can be found at the track with her girls and miniature schnauzer, Cash. Carly enjoys traveling and looks forward to Caribbean vacations, or any beach getaway.

Carly’s fast-paced life perfectly translates into her professional career with S&T Bank. Because she values time with her family, she understands how important it is to get her customers into a home where they can make their own memories.

Personal Approach

Carly has found a love for a job that continues to change, allows her to meet new people every day, and challenges her to find a solution and structure loans to help minimize the stress that can be felt when buying a new home. Getting it done with grit, passion, and fight...

Market Expertise & Experience

Carly has over 18 years of experience in mortgage banking serving the Indiana county market; she jokes that "writing mortgages is all she knows how to do." Carly has experience in several aspects of mortgage lending which helps her take a holistic approach to finding the right solutions for her customers.


  • Indiana University of Pennsylvania, Associate of Arts, Criminology


  • Realtors Association of Westmoreland, Indiana, and Mon Valley, Affiliate Member
  • Numerous hours of volunteer work through local Indiana county charities
  • Supports school fundraising efforts and fundraising for girls softball and dance