The Best Mortgage Lenders in Ellsworth, PA
Compare verified mortgage lenders serving Ellsworth, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Ellsworth
Featured Mortgage Lenders
Howard Hanna Mortgage Services
Howard Hanna Financial Services
Howard Hanna Mortgage Services is one of the most trusted regional mortgage lenders serving Western Pennsylvania, including Ellsworth. As part of the largest real estate company in Pennsylvania, they offer deep local market expertise and streamlined mortgage processes. Their strong 4.8 rating reflects exceptional customer service, competitive rates, and personalized guidance through every step of the mortgage process. With over two decades of experience, they specialize in helping buyers in rural and suburban communities like Ellsworth navigate various loan programs.
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Clearview Federal Credit Union
Clearview Federal Credit Union
Clearview Federal Credit Union has been serving Washington County and surrounding areas for over 70 years, making them a deeply established mortgage lender for Ellsworth residents. Their 4.7 rating demonstrates consistent customer satisfaction with competitive rates and personalized service. As a member-owned financial institution, they prioritize member needs over profits, offering comprehensive mortgage solutions with local underwriting and decision-making. Their Washington, PA location provides convenient access for Ellsworth homebuyers seeking traditional lending with modern convenience.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage combines national lending power with strong local presence in Western Pennsylvania, serving Ellsworth with comprehensive mortgage solutions. Their 4.6 rating reflects excellent customer service and competitive loan products. With nearly two decades of experience, they offer a wide range of loan options and have built a reputation for smooth closings and responsive communication. Their Pittsburgh-area office provides dedicated local support while leveraging national resources to offer competitive rates and innovative mortgage programs tailored to Ellsworth's housing market.
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Frequently Asked Questions
Common questions about mortgage lending in Ellsworth, PA
What are the typical down payment requirements for homes in Ellsworth, PA, given the local market?
In Ellsworth's affordable market, many conventional loans require a 5% down payment, but FHA loans with 3.5% down are very common. For the area's median home price, this translates to a manageable upfront cost. Local lenders are also familiar with USDA Rural Development loans, which offer 0% down options for eligible properties in and around Ellsworth.
Are there any first-time homebuyer assistance programs specific to Washington County or Ellsworth?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers Keystone Home Loan programs and down payment/closing cost assistance, which are accessible to Ellsworth buyers. Additionally, the Washington County Redevelopment Authority sometimes administers local grant programs for income-eligible first-time buyers, so it's worth checking their current offerings.
How do property taxes in Ellsworth and Washington County impact my mortgage affordability?
Washington County has relatively moderate property tax rates compared to other parts of Pennsylvania. Your lender will calculate these taxes into your total monthly payment (escrow), which is a crucial part of affordability in Ellsworth. It's important to get an accurate tax estimate, as rates can vary slightly between boroughs and school districts.
What should I know about getting a mortgage for an older home in Ellsworth's historic housing stock?
Many homes in Ellsworth are older, so lenders may require specific inspections (like a thorough roof or foundation check) to satisfy loan appraisal requirements. An FHA 203(k) renovation loan can be a valuable tool here, allowing you to finance both the purchase and necessary updates, which local lenders are experienced in processing.
How does Ellsworth's location in a rural/small-town setting affect my mortgage options?
Ellsworth's designation as a rural area opens up access to USDA Rural Development guaranteed loans, which offer competitive rates and require no down payment for qualified buyers and properties. This is a major advantage not available in urban centers. Local lenders and realtors are very familiar with the USDA eligibility maps for the area.
Nearby Cities
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Why Choose a Mortgage Lender in Ellsworth?
Local Market Knowledge
Lenders who understand Ellsworth'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 Ellsworth and get competitive rates on your home loan.