The Best Mortgage Lenders in Bloomsburg, PA
Compare verified mortgage lenders serving Bloomsburg, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Bloomsburg
Featured Mortgage Lenders
First Columbia Bank & Trust
First Columbia Bank & Trust
First Columbia Bank & Trust is a highly-rated community bank deeply embedded in Columbia County with their main office located right in Bloomsburg. They have built an exceptional reputation over 25 years for personalized mortgage services with local decision-making authority. Customers consistently praise their responsive service, competitive rates, and the expertise of their lending team. As a true local institution, they understand the Bloomsburg housing market intimately and offer a comprehensive range of loan products with the personal touch that national lenders can't match.
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Jersey Shore State Bank
Jersey Shore State Bank (a division of Muncy Bank & Trust)
Jersey Shore State Bank, now part of Muncy Bank & Trust, serves the Central Pennsylvania region including Bloomsburg with exceptional mortgage services. With over two decades of experience, they've maintained consistently high customer satisfaction ratings for their knowledgeable loan officers, streamlined application process, and competitive rates. Their strong regional presence across multiple counties ensures they understand the local real estate markets while offering the stability of an established financial institution. Customers particularly appreciate their educational approach to first-time homebuyers and flexible loan options.
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FNB Bank
F.N.B. Corporation (First National Bank)
FNB Bank maintains a strong physical presence in Bloomsburg with a local branch and mortgage specialists who serve the Columbia County area. As part of a larger regional banking network, they combine local market knowledge with extensive resources and competitive mortgage products. They receive high marks for their digital mortgage application tools combined with personalized service from local loan officers. FNB has built trust in the community through transparent processes, educational resources for borrowers, and a wide array of loan programs to meet diverse needs, from first-time homebuyers to investment properties.
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Frequently Asked Questions
Common questions about mortgage lending in Bloomsburg, PA
Are there any special first-time homebuyer programs available in Bloomsburg, PA?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers several programs, including the Keystone Home Loan and Keystone Government Loan, which provide competitive interest rates and down payment/closing cost assistance. Additionally, Columbia County may have local grants or programs, so it's wise to consult with a mortgage lender familiar with the area to explore all available options for first-time buyers in Bloomsburg.
How does the presence of Bloomsburg University impact the local mortgage market?
The university creates a consistent demand for rental properties, making investment property mortgages a popular consideration for local buyers. For primary residences, lenders may scrutinize debt-to-income ratios more carefully for university employees on 9-10 month contracts. The student population can also influence which neighborhoods are considered more desirable for long-term homeowners versus investors.
What are typical property taxes for a home in Bloomsburg, and how do they affect mortgage affordability?
Property taxes in Columbia County, where Bloomsburg is located, are relatively moderate compared to other parts of Pennsylvania. The current county millage rate is 6.872 mills, with additional municipal and school district taxes. For a $200,000 home, annual taxes might range from $3,500 to $4,500. Lenders will factor this into your total monthly payment, so it's crucial to get an accurate estimate when determining your budget.
Are USDA rural development loans available for homes in or near Bloomsburg?
Yes, much of the area surrounding the town of Bloomsburg is eligible for USDA Rural Development loans, which offer 100% financing with no down payment. While the town itself may have some eligible census tracts, the immediate surrounding townships in Columbia County are typically eligible. This can be an excellent option for buyers looking at properties just outside the borough limits.
How competitive is the mortgage market in Bloomsburg given the current housing inventory?
With a historically tight inventory of homes for sale in Bloomsburg, competition remains steady, making pre-approval essential. Local lenders often have relationships with area realtors and can sometimes offer quicker turnaround times, which is a significant advantage in a competitive offer situation. Rates in Bloomsburg are generally in line with national averages, but working with a local credit union or community bank might provide more personalized service and potentially favorable terms for well-qualified buyers.
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Why Choose a Mortgage Lender in Bloomsburg?
Local Market Knowledge
Lenders who understand Bloomsburg'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 Bloomsburg and get competitive rates on your home loan.