The Best Mortgage Lenders in Beach Haven, PA
Compare verified mortgage lenders serving Beach Haven, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Beach Haven
Featured Mortgage Lenders
Brian P. McAndrew
McAndrew Mortgage
McAndrew Mortgage is a highly-rated local mortgage broker serving Northeastern Pennsylvania, including Beach Haven and Luzerne County. With over two decades of experience, they've built an exceptional reputation for personalized service and competitive rates. They specialize in helping borrowers navigate complex mortgage scenarios and are known for their extensive knowledge of local real estate markets. Their team provides hands-on guidance throughout the entire loan process, from application to closing.
Loan Types:
NEPA Lending Team
NEPA Lending
NEPA Lending is a locally-owned mortgage company with deep roots in Northeastern Pennsylvania. They serve Beach Haven and surrounding communities with a focus on transparent communication and competitive loan products. The company is particularly noted for their expertise with first-time homebuyer programs and government-backed loans. Their team maintains strong relationships with local real estate professionals and provides educational resources to help borrowers make informed decisions.
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FNCB Mortgage Center
FNCB Bank
First National Community Bank (FNCB) is a established regional bank serving Northeastern Pennsylvania, including Beach Haven residents. With over a century of community banking experience, they offer the stability of a traditional bank combined with modern mortgage solutions. Their mortgage team provides local underwriting and decision-making, often resulting in faster closings. FNCB is particularly strong in construction lending and offers competitive rates for both purchase and refinance transactions throughout the region.
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Frequently Asked Questions
Common questions about mortgage lending in Beach Haven, PA
Are there any special mortgage considerations for buying a home in the flood-prone areas of Beach Haven, PA?
Yes, due to Beach Haven's location along the Susquehanna River, many properties are in a FEMA-designated Special Flood Hazard Area (SFHA). Lenders will require you to purchase and maintain flood insurance as a condition of your mortgage. This is a mandatory, ongoing cost that must be factored into your total monthly housing expense and can significantly impact affordability.
What local or county-level first-time homebuyer programs are available for Beach Haven residents?
Luzerne County offers the HOMEstead Down Payment and Closing Cost Assistance Program, which provides eligible first-time homebuyers with up to $10,000 in a five-year forgivable loan for down payment and closing costs. This program is particularly valuable in Beach Haven, where it can help bridge the gap for buyers who may have solid income but limited savings for upfront costs.
How do property taxes in Luzerne County and the Northwest Area School District affect mortgage qualification in Beach Haven?
Luzerne County property taxes are a significant component of your monthly payment. Lenders will use the combined county, municipal, and school district tax rate (which for Beach Haven is within the Northwest Area School District) to calculate your total monthly obligation. These taxes are typically escrowed, meaning your mortgage payment will include 1/12 of the annual tax bill, so you must qualify with this higher payment.
Is it difficult to get a mortgage for a manufactured or mobile home in Beach Haven?
Financing for manufactured homes in Beach Haven can be more challenging than for traditional site-built homes. Many lenders have specific requirements, such as the home being permanently affixed to a foundation and classified as real estate. You'll likely need to seek lenders familiar with the area who offer FHA Title I or USDA loans, which have programs for manufactured homes meeting certain criteria.
Are USDA rural housing loans available for properties in Beach Haven, PA?
Yes, Beach Haven is located in a USDA-eligible rural area. The USDA Single Family Housing Guaranteed Loan Program is a valuable option here, as it offers 100% financing (no down payment) for eligible buyers with moderate incomes. This can be an excellent program for qualified buyers looking in this market, as it reduces the upfront cash needed to purchase a home.
Nearby Cities
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Why Choose a Mortgage Lender in Beach Haven?
Local Market Knowledge
Lenders who understand Beach Haven'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 Beach Haven and get competitive rates on your home loan.