The Best Mortgage Lenders in Burlington, PA
Compare verified mortgage lenders serving Burlington, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Burlington
Featured Mortgage Lenders
Lycoming-Clinton Credit Union Mortgage Department
Lycoming-Clinton Credit Union
Lycoming-Clinton Credit Union is one of the most highly-rated mortgage lenders serving the Burlington area and surrounding Lycoming County region. With over 65 years of community banking experience, they offer personalized mortgage services with competitive local rates. Their mortgage team provides exceptional one-on-one service for first-time homebuyers and experienced homeowners alike. As a member-owned financial institution, they prioritize customer satisfaction over profits, resulting in consistently high ratings and strong community trust. They serve the entire Central Pennsylvania region including Burlington and offer specialized local knowledge of rural property financing.
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Hodrick Realty Mortgage Services
Berkshire Hathaway HomeServices Hodrick Realty
Berkshire Hathaway HomeServices Hodrick Realty has been serving the North Central Pennsylvania housing market for nearly 50 years, with their mortgage division earning exceptional ratings for local expertise and customer service. Their mortgage specialists have deep knowledge of the Burlington area and rural property financing needs. They offer comprehensive mortgage services with access to multiple lending partners, ensuring competitive rates and flexible terms. The company is particularly noted for their patient guidance with first-time homebuyers and their expertise in USDA rural development loans, which are highly relevant for the Burlington community.
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First National Bank Mortgage Division
First National Bank
First National Bank has been serving Pennsylvania communities for over 150 years, with their Williamsport-based mortgage division providing exceptional service to the Burlington area. As a locally-headquartered community bank, they combine the stability of an established financial institution with personalized local decision-making. Their mortgage team offers competitive rates and specializes in understanding the unique needs of rural Pennsylvania homebuyers. They are particularly strong in construction lending and land purchases, which are common in the Burlington region. The bank maintains high customer satisfaction ratings due to their responsive service and local underwriting expertise.
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Frequently Asked Questions
Common questions about mortgage lending in Burlington, PA
Are there any special mortgage programs for first-time homebuyers in Burlington, PA?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers several programs, including the Keystone Home Loan and the Keystone Government Loan, which are accessible to buyers in Bradford County. These programs often feature competitive interest rates, down payment and closing cost assistance, and are particularly valuable in Burlington's more rural market where incomes may be lower than state averages.
How does Burlington's rural location in Bradford County affect the mortgage appraisal process?
Appraisals in Burlington can be more complex due to the limited number of recent comparable home sales ("comps") in the immediate area. Appraisers may need to look at properties in a wider geographic radius or adjust for differences in land size and property type. This can sometimes lead to appraisal challenges, so working with a lender experienced in rural properties is advisable.
What are typical property taxes like for a home in Burlington, and how do they impact my mortgage?
Property taxes in Bradford County and the Northern Tioga School District are generally moderate compared to urban areas in PA. For a typical single-family home in Burlington, annual taxes might range from $1,500 to $3,000. Lenders will include these taxes in your monthly escrow payment, which directly affects your total monthly mortgage payment and debt-to-income ratio calculation.
Are USDA Rural Development loans a viable option for mortgages in Burlington, PA?
Absolutely. Burlington's location qualifies it for the USDA Single Family Housing Guaranteed Loan Program, a zero-down-payment mortgage option. This is a highly attractive program for eligible buyers with moderate incomes, as it allows for purchasing a home in a designated rural area like Burlington without a down payment, which can be a significant advantage in this market.
How do seasonal weather conditions in Burlington influence the home buying and mortgage timeline?
Harsh winters in Northern Pennsylvania can delay home inspections, appraisals, and even closing dates. It's crucial to build flexibility into your contract timeline when buying between November and March. Furthermore, lenders may require specific insurance considerations, and you should ensure your homeowner's policy adequately covers risks like heavy snowfall or frozen pipes common to the area.
Nearby Cities
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Why Choose a Mortgage Lender in Burlington?
Local Market Knowledge
Lenders who understand Burlington'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 Burlington and get competitive rates on your home loan.