The Best Mortgage Lenders in Cambra, PA
Compare verified mortgage lenders serving Cambra, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Cambra
Featured Mortgage Lenders
FNCB Bank Mortgage Team
FNCB Bank
FNCB Bank is a premier community bank serving Northeastern Pennsylvania with deep roots in Luzerne County and surrounding areas including Cambra. With over 110 years of service, their mortgage team offers personalized, local decision-making and competitive rates. They're particularly noted for their construction lending expertise and first-time homebuyer programs, with loan officers who have extensive knowledge of the local real estate market. Their high customer satisfaction ratings reflect their commitment to guiding borrowers through the entire mortgage process with exceptional service.
Loan Types:
Allied Mortgage Solutions
Allied Mortgage Solutions
Allied Mortgage Solutions is a highly-rated local mortgage broker serving the greater Wilkes-Barre/Scranton area, including Cambra and surrounding Luzerne County communities. As a broker, they work with multiple lenders to find the best rates and terms for each borrower's unique situation. They specialize in first-time homebuyer programs and offer flexible qualification criteria. Their exceptional 4.9-star rating comes from hundreds of satisfied customers who praise their responsiveness, transparency throughout the lending process, and ability to close loans quickly.
Loan Types:
CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage combines national lending power with strong local presence in Northeastern Pennsylvania. Their Forty Fort office serves Cambra and the surrounding Luzerne County area with a comprehensive range of mortgage products. They're particularly strong in government-backed loans and offer competitive jumbo loan options. With nearly 20 years of operation, they've built a reputation for reliable service and competitive rates. Customers consistently praise their knowledgeable loan officers who provide clear communication and guidance throughout the mortgage process, from application to closing.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Cambra, PA
What are the typical mortgage rates available for homebuyers in Cambra, PA?
Mortgage rates in Cambra are generally aligned with national averages but can be influenced by local lenders and property types common to the rural Hazleton area. For conventional loans, rates are typically competitive, but buyers should specifically inquire about rates for USDA loans, which are highly relevant for this non-urban location. Shopping with local community banks or credit unions in Luzerne County can sometimes yield favorable terms.
Are there specific down payment assistance programs for first-time homebuyers in Cambra?
Yes, first-time homebuyers in Cambra can access Pennsylvania's statewide PHFA (Pennsylvania Housing Finance Agency) programs, which offer down payment and closing cost assistance. Additionally, Luzerne County may have its own local initiatives or grants. Given Cambra's location, buyers should also explore USDA Rural Development loans, which offer 100% financing with no down payment requirement for eligible properties and borrowers.
How does Cambra's rural location impact the type of mortgage loans I should consider?
Cambra's designation as a rural area makes USDA Rural Development loans a prime option, as they are specifically designed for such locations and offer significant benefits. For properties on larger lots or with unique characteristics common in the area, a conventional loan may still be suitable, but an appraisal that understands rural comparables is crucial. Always verify a property's eligibility for USDA financing with your lender.
What should I know about property taxes and insurance when getting a mortgage in Cambra?
Property taxes in Cambra fall under Luzerne County and the Hazleton Area School District, and rates can vary; your lender will calculate these for your escrow account. For insurance, due to the rural setting, you may need to consider additional coverage for well and septic systems if the property is not on public utilities, which can affect your total monthly payment.
Are there local lenders in or near Cambra that specialize in mortgages for this area?
While Cambra itself is a small census-designated place, homebuyers can work with local lenders based in nearby Hazleton, Wilkes-Barre, or the broader Luzerne County. These community banks and credit unions often have specific expertise in rural property financing, USDA loans, and understanding the local market values, which can streamline the mortgage process compared to larger national banks.
Nearby Cities
Explore mortgage lenders in cities near Cambra, PA
Why Choose a Mortgage Lender in Cambra?
Local Market Knowledge
Lenders who understand Cambra'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 Cambra and get competitive rates on your home loan.