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De Lancey, PA

The Best Mortgage Lenders in De Lancey, PA

Compare verified mortgage lenders serving De Lancey, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
356+
Reviews
11
Loan Types

Available Loan Programs in De Lancey

Conventional
FHA
VA
USDA
Jumbo
Refinance
First-time Homebuyer
Construction
Land
Home Equity
Investment Property

Featured Mortgage Lenders

1

Mortgage Department

First Commonwealth Federal Credit Union

★★★★☆
4.8/5

First Commonwealth Federal Credit Union is one of the most highly-rated mortgage lenders serving the De Lancey area with exceptional customer satisfaction ratings. As a community-focused credit union with deep roots in Western Pennsylvania, they offer personalized mortgage services with competitive rates and local underwriting. Their mortgage team has extensive experience serving rural communities like De Lancey and understands the unique needs of Jefferson County homebuyers. They consistently receive praise for their responsive service, educational approach to first-time buyers, and ability to close loans efficiently.

Experience:15 years
Reviews:125 customer reviews
1350 Wayne Avenue, Indiana, PA 15701

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceFirst-time Homebuyer
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2

Mortgage Lending Division

Clearfield Bank & Trust

★★★★☆
4.7/5

Clearfield Bank & Trust has been serving Central and Western Pennsylvania communities for over a century, making them a trusted regional lender for De Lancey residents. Their mortgage department receives consistently high marks for local decision-making, competitive rates, and personalized service. As a community bank, they maintain strong relationships with local real estate professionals and understand the rural property market. Customers praise their straightforward process, transparency about costs, and commitment to finding the right mortgage solution for each borrower's situation.

Experience:12 years
Reviews:89 customer reviews
223 East Market Street, Clearfield, PA 16830

Loan Types:

ConventionalFHAVAConstructionLandRefinanceHome Equity
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3

Mortgage Services

Northwest Bank

★★★★☆
4.6/5

Northwest Bank maintains a strong physical presence in the De Lancey region with multiple branches throughout Jefferson County. Their mortgage team specializes in serving rural Pennsylvania communities and offers comprehensive lending programs including USDA loans that are particularly relevant for De Lancey area properties. With local loan officers who understand the regional market, they provide personalized guidance through the entire mortgage process. Customers consistently rate them highly for their professionalism, local expertise, and ability to navigate complex rural property transactions while offering competitive rates and terms.

Experience:18 years
Reviews:142 customer reviews
100 South Main Street, Punxsutawney, PA 15767

Loan Types:

ConventionalFHAVAUSDAConstructionRefinanceInvestment Property
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Frequently Asked Questions

Common questions about mortgage lending in De Lancey, PA

Are there any special mortgage programs for first-time homebuyers in De Lancey, PA?

Yes, Pennsylvania offers the Keystone Home Loan Program through the Pennsylvania Housing Finance Agency (PHFA), which is accessible to De Lancey residents. This program provides competitive fixed-rate mortgages, down payment and closing cost assistance, and relaxed credit requirements. It's a popular choice for first-time buyers navigating the local market.

How do property taxes in De Lancey impact my mortgage qualification and monthly payment?

Property taxes in Clinton County, where De Lancey is located, are a significant component of your monthly escrow payment. Lenders will factor these taxes into your debt-to-income ratio. It's wise to get an estimate of annual taxes on your target property early in the process, as they can vary and affect your overall affordability and loan qualification amount.

What are typical mortgage rates available to borrowers in De Lancey, PA?

Mortgage rates in De Lancey align with national averages but can vary based on your credit profile, loan type, and chosen lender. Working with a local lender familiar with the Clinton County market can sometimes provide access to competitive rates or special programs. As of recent trends, rates for conventional 30-year fixed loans in the area are generally in the range of the current national average.

Are USDA loans a viable option for homes in De Lancey given its rural setting?

Absolutely. De Lancey's location makes many properties eligible for USDA Rural Development loans, which offer 100% financing (no down payment) for qualified buyers and households with moderate income. This is a major advantage for buyers in the area, as it opens up homeownership with minimal upfront cash, provided the property meets USDA eligibility criteria.

How does the appraisal process work for a unique or older home in De Lancey?

Appraising unique, older, or rural properties in De Lancey requires an appraiser with specific local expertise to accurately assess value based on comparable sales, which can be less frequent. Your lender should work with an appraiser familiar with Clinton County to ensure a fair valuation that reflects the local market's nuances, which is crucial for loan approval.

Nearby Cities

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Why Choose a Mortgage Lender in De Lancey?

Local Market Knowledge

Lenders who understand De Lancey'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 De Lancey and get competitive rates on your home loan.