The Best Mortgage Lenders in California, PA
Compare verified mortgage lenders serving California, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in California
Featured Mortgage Lenders
Michael A. Dalfonso
Howard Hanna Financial Services - California
Howard Hanna Financial Services is one of the most established mortgage lenders in the California, PA area, operating as part of the larger Howard Hanna real estate network. With over 15 years of experience serving Washington County and surrounding areas, they offer personalized mortgage solutions with local expertise. Their high 4.9 rating reflects exceptional customer satisfaction, and they provide comprehensive loan options including specialized programs for first-time homebuyers. The local office in California provides convenient in-person service while leveraging the resources of a major regional financial services company.
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Brian T. Hannon
Dollar Bank
Dollar Bank is a highly-rated regional financial institution serving California, PA and the greater Pittsburgh metropolitan area. With over 165 years of operation, they bring exceptional stability and experience to mortgage lending. Their 4.8 rating demonstrates consistent customer satisfaction, and they offer competitive rates with flexible terms. Dollar Bank provides personalized service through local loan officers who understand the California, PA market specifically. They're particularly strong for conventional loans and offer construction lending options that many national lenders don't provide in smaller Pennsylvania communities.
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Christopher J. Traczynski
PNC Bank Mortgage
PNC Bank maintains a strong physical presence in California, PA with a local branch that offers comprehensive mortgage services. As one of Pennsylvania's largest banks with deep roots in the state, PNC brings extensive experience and competitive mortgage products to the California area. Their 4.7 rating reflects reliable service and customer satisfaction across numerous transactions. PNC offers a wide range of loan programs including specialized options for low-to-moderate income borrowers and first-time homebuyers. The local branch provides face-to-face service while offering the stability and resources of a major national banking institution.
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Frequently Asked Questions
Common questions about mortgage lending in California, PA
Are there any special first-time homebuyer programs available specifically for California, PA?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers its Keystone Home Loan program statewide, which is popular in California. This program provides competitive fixed-rate mortgages, often with down payment and closing cost assistance. Additionally, first-time buyers should inquire with local lenders about any community-specific grants or programs that may be available through the borough.
How do property taxes in California, PA, impact my mortgage payments and affordability?
California is located in Washington County, which generally has property tax rates that are moderate compared to the broader Pittsburgh metro area. Your lender will calculate these taxes into your monthly escrow payment. It's wise to get a precise tax estimate for any property you're considering, as rates can vary, and this will directly affect your total monthly mortgage payment and debt-to-income ratio.
What is the typical down payment needed for a home in California, PA's market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in California utilize conventional loans with 3-5% down or FHA loans with 3.5% down, especially for first homes. The local market features a mix of affordable single-family homes and newer constructions, making lower-down-payment loans common. Your specific down payment will depend on your loan program, credit score, and the purchase price.
Does living near the California University of Pennsylvania campus create unique mortgage lending considerations?
It can. Lenders may have specific policies for properties in high student-rental areas, potentially affecting loan approval for certain condo projects or multi-unit properties. For a primary residence, it's less of an issue, but it's important to discuss the exact location with your lender. The stable university presence can also be viewed positively for long-term property values in the area.
Are USDA rural housing loans available in California, PA, and are they a good option?
Yes, California, PA, is eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This can be an excellent option for eligible borrowers looking to buy in the area, as it helps overcome the down payment hurdle. You must meet income limits and the home must be in an eligible zone, which most of the borough and surrounding areas are, but your lender can provide a definitive map.
Why Choose a Mortgage Lender in California?
Local Market Knowledge
Lenders who understand California'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 California and get competitive rates on your home loan.