The Best Mortgage Lenders in Camptown, PA
Compare verified mortgage lenders serving Camptown, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Camptown
Featured Mortgage Lenders
Fulton Mortgage Company
Fulton Bank, N.A.
Fulton Mortgage Company stands out as a top-rated regional lender with deep roots in Pennsylvania, serving the Camptown area through their Wilkes-Barre location. With exceptional 4.8-star ratings from hundreds of customers, they offer personalized service and competitive rates. Their mortgage specialists have extensive experience with rural Pennsylvania properties and understand the unique needs of Bradford County homeowners. Fulton Bank's long-standing community presence since 1999 ensures reliable, local decision-making and comprehensive mortgage solutions.
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PSECU Mortgage Services
Pennsylvania State Employees Credit Union
PSECU provides exceptional mortgage services to Camptown residents with their highly-rated 4.7-star mortgage division. As Pennsylvania's largest credit union, they offer competitive rates and personalized service to members across the state. Their mortgage team specializes in rural property financing and offers unique first-time homebuyer programs. With over two decades of mortgage lending experience and strong community focus, PSECU delivers outstanding customer satisfaction and comprehensive loan options tailored to Northeastern Pennsylvania markets.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage's Scranton office serves the Camptown area with excellent 4.6-star rated mortgage services. Their local loan officers have extensive experience with rural Pennsylvania properties and offer a wide range of loan programs. Known for competitive rates and efficient processing, they provide personalized attention throughout the mortgage process. With nearly two decades of operation and strong regional presence, they've built a reputation for reliability and customer satisfaction in serving Bradford County and surrounding communities.
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Frequently Asked Questions
Common questions about mortgage lending in Camptown, PA
Are there any special mortgage programs for first-time homebuyers in Camptown, PA?
Yes, Pennsylvania offers the Keystone Home Loan Program through the Pennsylvania Housing Finance Agency (PHFA), which is accessible to buyers in Camptown. This program provides competitive, fixed-rate mortgages, often with down payment and closing cost assistance. Given Camptown's more rural setting in Bradford County, buyers may also explore USDA Rural Development loans, which offer 100% financing for eligible properties and borrowers in designated areas.
How do property taxes in Bradford County impact my mortgage payments in Camptown?
Bradford County has relatively low property tax rates compared to the state average, which is a significant advantage for Camptown homeowners. Your lender will calculate an escrow payment as part of your monthly mortgage to cover these annual taxes. It's wise to get an accurate estimate of the taxes on your specific property, as rates can vary slightly between municipalities within the county.
What is the typical down payment needed for a mortgage on a home in Camptown's market?
While 20% down is standard to avoid private mortgage insurance (PMI), many buyers in Camptown utilize programs with lower requirements. With FHA loans, you may put down as little as 3.5%, and conventional loans can go as low as 3% for qualified buyers. For the area's more affordable home prices, this makes homeownership accessible with a modest down payment saved.
Does Camptown's location in a rural area affect my mortgage options or appraisal process?
Yes, it can. While it expands options like USDA loans, it may also mean appraisals require appraisers familiar with valuing properties in rural settings, which can sometimes take slightly longer. Lenders will also consider the property's access to utilities and the comparables ("comps") used, which may come from a wider geographic area than in a dense city.
Are there any local or county-specific grants for down payment assistance when buying a home in Camptown?
While Camptown itself does not have a municipal program, Bradford County and the state offer key resources. The PHFA's Keystone Assistance Loan and HFA Preferred Grant programs provide forgivable loans for down payment and closing costs. It's also recommended to check with local community banks or credit unions, as they may have knowledge of regional initiatives or more flexible lending criteria for local buyers.
Nearby Cities
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Why Choose a Mortgage Lender in Camptown?
Local Market Knowledge
Lenders who understand Camptown'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 Camptown and get competitive rates on your home loan.