This site covers 270 Pennsylvania cities and towns. Lenders originated 222,118 home loans across the Pennsylvania counties in our data in 2024. Below are the state rules borrowers ask about most, every loan type by state, and links to city pages.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Pennsylvania mortgage rules to know
- Mortgage licensing: Pennsylvania Department of Banking and Securities (DoBS)
- State housing finance agency: Pennsylvania Housing Finance Agency (PHFA)
- Foreclosure process: Judicial: the lender must bring a foreclosure action, and the home is sold at a sheriff's sale; before starting, lenders must send homeowners in default the state-required Act 91 notice.
- Recording taxes and fees: State realty transfer tax on deeds and other writings that transfer real estate (collected by county Recorders of Deeds), often along with an additional local realty transfer tax shared with municipalities and school districts.
- Property tax relief: Under the Taxpayer Relief Act, owner-occupied primary residences (and qualifying farmsteads) can receive a homestead/farmstead exclusion that lowers school property taxes; homeowners apply through their county assessment office.
- Act 91 notice: Pennsylvania law requires mortgage lenders to send homeowners facing foreclosure a notice describing the Homeowner's Emergency Mortgage Assistance Program (HEMAP), administered by PHFA; applying requires a face-to-face meeting with a HEMAP-approved consumer credit counseling agency.
- Pennsylvania realty transfer tax is commonly paid at both the state and local level, and the grantor and grantee are jointly and severally liable for it.
- PHFA's Keystone Flex Purchase and Improvement options combine a home purchase with repair/improvement financing.
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Apply by phone: (888) 912-6746Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Loan types in Pennsylvania
- Mortgage Lenders in Pennsylvania
- Mortgage Companies in Pennsylvania
- Mortgage Brokers in Pennsylvania
- Home Loans in Pennsylvania
- Mortgage Refinance in Pennsylvania
- Cash-Out Refinance in Pennsylvania
- HELOC in Pennsylvania
- Home Equity Loans in Pennsylvania
- FHA Loans in Pennsylvania
- VA Loans in Pennsylvania
- First-Time Home Buyer Loans in Pennsylvania
- USDA Loans in Pennsylvania
- Jumbo Loans in Pennsylvania
- Reverse Mortgage in Pennsylvania
- Construction Loans in Pennsylvania
- Renovation Loans in Pennsylvania
- Conventional Loans in Pennsylvania
- Physician Loans in Pennsylvania
- Second Mortgages in Pennsylvania
Larger Pennsylvania cities
- Philadelphia
- Pittsburgh
- Allentown
- Harrisburg
- Lancaster
- Scranton
- Reading
- York
- Erie
- Pottstown
- State College
- Lebanon
- Bethlehem
- Altoona
- Hanover
- Johnstown
- Monessen
- East Stroudsburg
- Hazleton
- Williamsport
- Chambersburg
- Levittown
- Bloomsburg
- Uniontown
- Wilkes-Barre
- Pottsville
- New Castle
- Butler
- Norristown
- Chester
- Bethel Park
- Milton
- Shamokin
- Drexel Hill
- Sunbury
- Monroeville
- Easton
- Indiana
- Plum
- Waynesboro
Guide
- https://www.pa.gov/agencies/dobs/non-bank-licensees.html
- https://phfa.org/homebuyers
- https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/realty-transfer-tax.html
- https://dced.pa.gov/local-government/property-tax-relief-homestead-exclusion/
- https://www.phfa.org/forms/hemap/act91notice2021revisionfinaleffective4_3_2021withfootnotes.pdf