The Best Mortgage Lenders in Auburn, PA
Compare verified mortgage lenders serving Auburn, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Auburn
Featured Mortgage Lenders
American Heritage Credit Union Mortgage Department
American Heritage Credit Union
American Heritage Credit Union is one of Pennsylvania's most respected financial institutions with strong presence in the Lehigh Valley region serving Auburn area residents. They consistently earn top ratings for personalized mortgage services, competitive rates, and exceptional member satisfaction. As a credit union, they offer member-focused lending with lower fees and more flexible underwriting. Their mortgage team provides comprehensive guidance through the entire home buying process with local decision-making authority.
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Fulton Mortgage Company
Fulton Bank
Fulton Mortgage Company, a division of Fulton Bank, has deep roots in Pennsylvania with extensive experience serving rural communities like Auburn. They are particularly strong in construction and renovation lending, making them ideal for the Auburn area's property types. Their local mortgage experts provide personalized service with the stability of an established regional bank. They receive consistently high marks for transparent communication, competitive rates, and handling complex rural property transactions.
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New American Funding - Allentown Branch
New American Funding
New American Funding has established a strong local presence in the Lehigh Valley with dedicated mortgage professionals serving the Auburn area. They are particularly noted for their diverse loan programs and excellent service to first-time homebuyers. The company earns high customer satisfaction ratings for their responsive communication and ability to close loans efficiently. Their local team understands the specific needs of Pennsylvania's rural communities and offers both traditional and specialized mortgage products.
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Frequently Asked Questions
Common questions about mortgage lending in Auburn, PA
Are there any special first-time homebuyer programs available specifically for Auburn, PA?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers the Keystone Home Loan Program and the Keystone Government Loan, which are available statewide, including in Auburn. These programs often feature competitive interest rates, down payment and closing cost assistance, and are particularly valuable in Auburn's market where median home prices are accessible. Working with a local lender familiar with these PHFA programs is key to a smooth application.
How do property taxes in Schuylkill County affect my mortgage payments in Auburn?
Schuylkill County property taxes are a significant component of your monthly mortgage escrow payment. Auburn's taxes are generally moderate compared to the broader Philadelphia region, but it's crucial to get an accurate estimate during your home search. Your lender will use the county's millage rate and the assessed value of the home to calculate this, directly impacting your total monthly payment and debt-to-income ratio.
What type of property inspections are especially important for getting a mortgage on an older home in Auburn?
Given Auburn's historic housing stock, a thorough standard home inspection is essential, but lenders may also require a separate termite inspection due to the area's older wooden structures. For homes with well and septic systems, which are common in the more rural parts of Auburn, the lender will mandate water quality and septic system inspections to ensure the property meets health standards and protects their collateral.
How competitive is the mortgage market in Auburn, and should I expect to pay above the asking price?
While less frenzied than major metro areas, Auburn's market can be competitive for well-priced, move-in-ready homes. It's not uncommon for buyers to pay at or slightly above asking, making a strong pre-approval from a reputable local lender a critical part of your offer. Demonstrating solid financing can make your bid more attractive to sellers compared to contingent offers.
Are USDA Rural Development loans a viable option for mortgages in Auburn, PA?
Absolutely. Much of the area around Auburn qualifies for USDA Rural Development loans, which offer 100% financing (no down payment). This is a major advantage for eligible buyers looking at properties in Auburn's more rural settings. You'll need to work with a lender approved for USDA loans and ensure the specific property address meets the USDA's eligibility criteria.
Nearby Cities
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Why Choose a Mortgage Lender in Auburn?
Local Market Knowledge
Lenders who understand Auburn'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 Auburn and get competitive rates on your home loan.