The Best Mortgage Lenders in Aston, PA
Compare verified mortgage lenders serving Aston, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Aston
Featured Mortgage Lenders
New American Funding
New American Funding, LLC
New American Funding is a top-rated mortgage lender with a strong presence in the Philadelphia metropolitan area, including Aston, PA. Known for its competitive rates and exceptional customer service, the company has built a reputation for handling diverse loan types with efficiency. They emphasize personalized service and have numerous positive reviews highlighting their responsiveness and expertise in first-time homebuyer and refinance scenarios. Their long-standing operation since 2003 and high ratings reflect reliability and trustworthiness in the industry.
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loanDepot
loanDepot, LLC
loanDepot is a nationally recognized mortgage lender with a significant local footprint in Pennsylvania, serving Aston and surrounding areas. They are praised for their innovative digital platform, which streamlines the application process, and their competitive pricing on a wide range of loan products. With over a decade of experience, loanDepot has accumulated strong customer feedback for their knowledgeable loan officers and efficient closing processes. Their commitment to customer satisfaction and adaptability in market trends makes them a preferred choice for many homebuyers in the region.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a highly regarded mortgage lender with a robust presence in the Philadelphia area, including Aston, PA. They are known for their transparent processes, competitive rates, and extensive loan options tailored to various financial situations. With decades of experience, they have earned high marks for their customer-centric approach, including dedicated support and fast turnaround times. Their strong review scores and longevity in the business underscore their reliability and expertise, making them a top choice for both purchase and refinance mortgages in the community.
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Frequently Asked Questions
Common questions about mortgage lending in Aston, PA
What are the typical down payment requirements for a home in Aston, PA, and are there local programs to assist with this?
In Aston, typical down payments range from 3% for conventional loans to 3.5% for FHA loans. Delaware County, where Aston is located, offers the HOMEstead Downpayment and Closing Cost Assistance Program, which provides up to $10,000 in forgivable grants for eligible first-time homebuyers to help cover these initial costs.
How do property taxes in Aston, PA, impact my mortgage payments and affordability?
Aston Township has a property tax rate that includes county, township, and school district levies, which can significantly affect your monthly mortgage escrow payment. It's crucial to factor in these taxes, as Delaware County's overall tax burden is above the national average, which can influence how much home you can comfortably afford compared to other regions.
Are there specific mortgage lenders in or near Aston that have expertise with the local market?
Yes, many local lenders and credit unions, such as TruMark Financial Credit Union (headquartered nearby) and community banks with branches in Delaware County, have deep knowledge of Aston's housing market. They often offer competitive rates and understand the nuances of appraisals and property values in specific Aston neighborhoods like Aston Mills or Green Ridge.
What should I know about flood zones and mortgage requirements in Aston, PA?
While much of Aston is not in a high-risk flood zone, certain areas near creeks like the Darby Creek may require a flood elevation certificate and mandatory flood insurance for a mortgage. Lenders will order a flood determination, and if your prospective home is in a Special Flood Hazard Area (SFHA), you must purchase insurance, adding to your monthly housing cost.
Are there good first-time homebuyer programs available specifically for Aston residents?
Beyond the Delaware County HOMEstead program, Pennsylvania offers the Keystone Home Loan Program and the HFA Preferred Loan, which provide competitive interest rates and down payment/closing cost assistance. These state-wide programs are accessible to Aston buyers and are particularly beneficial for those with moderate incomes looking to purchase in the area.
Why Choose a Mortgage Lender in Aston?
Local Market Knowledge
Lenders who understand Aston's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Pennsylvania.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Aston and get competitive rates on your home loan.