The Best Mortgage Lenders in Elysburg, PA
Compare verified mortgage lenders serving Elysburg, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Elysburg
Featured Mortgage Lenders
First Columbia Bank & Trust
First Columbia Bank & Trust
First Columbia Bank & Trust is a highly-rated community bank serving the Elysburg area with deep roots in Columbia and Montour counties. With over 25 years of experience, they offer personalized mortgage services with local decision-making and competitive rates. Their strong community presence and exceptional customer service ratings make them a top choice for Elysburg residents seeking conventional loans, government-backed programs, and construction financing with the reliability of a local institution.
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Mason-McDuffie Mortgage Corporation
Mason-McDuffie Mortgage Corporation - Bloomsburg
Mason-McDuffie Mortgage's Bloomsburg office serves the Elysburg area with exceptional expertise and high customer satisfaction ratings. As part of a respected regional mortgage brokerage with over 15 years of local operation, they offer comprehensive loan programs including specialized first-time homebuyer assistance. Their team provides personalized guidance through the entire mortgage process, with particular strength in FHA and VA loans, making them a preferred choice for Elysburg homebuyers seeking expert advice and competitive financing options.
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M&T Bank
M&T Bank
M&T Bank maintains a strong regional presence in Central Pennsylvania with multiple branches serving the Elysburg area. With decades of mortgage lending experience and extensive local market knowledge, they offer a comprehensive range of loan products with competitive rates. Their Sunbury location provides convenient access for Elysburg residents, and their high customer satisfaction ratings reflect consistent, reliable service. M&T's combination of regional expertise and full-service banking capabilities makes them an excellent choice for various mortgage needs including conventional loans, government programs, and home equity solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Elysburg, PA
Are there any special first-time homebuyer programs available for purchasing a home in Elysburg, PA?
Yes, Pennsylvania offers the Keystone Home Loan Program through the Pennsylvania Housing Finance Agency (PHFA), which is available to eligible buyers in Elysburg. This program provides competitive, fixed-rate mortgages, often with down payment and closing cost assistance. Given Elysburg's relatively affordable market, these programs can be particularly powerful for first-time buyers in Northumberland County.
How do property taxes in Elysburg and Northumberland County impact my mortgage payment and qualification?
Northumberland County property taxes are a significant component of your monthly payment. Lenders will calculate your debt-to-income ratio including these taxes, which are typically escrowed. It's important to get an accurate estimate, as Elysburg's millage rates can differ from neighboring townships, directly affecting your total monthly mortgage obligation and how much home you can qualify for.
What are typical mortgage rates for buyers in a rural area like Elysburg, PA?
Mortgage rates in Elysburg are generally aligned with national averages, but your specific rate will depend on credit score, loan type, and down payment. For a rural area, it's wise to explore USDA Rural Development loans, which offer competitive, often below-market, fixed interest rates and require no down payment for eligible properties and borrowers in designated rural areas like Elysburg.
Does Elysburg's location near major employers like the FedEx Ground hub impact mortgage lending?
Yes, stable employment is key for loan approval. Lenders will look favorably on employment with major local employers like FedEx in nearby Pine Ridge, the Shamokin Area School District, or Geisinger. Proof of steady income from these sources can strengthen your application. However, commuting to Danville or Sunbury is common, so lenders will also consider job stability and commute patterns.
Are there specific considerations for getting a mortgage on older or historic homes in Elysburg?
Absolutely. Elysburg has many charming older homes. Financing these may require a specialized appraisal to ensure the property meets lending standards. You might also consider renovation loans like the FHA 203(k) or Fannie Mae HomeStyle loan, which can roll repair costs into your mortgage—a useful tool for updating older systems while preserving the home's character.
Why Choose a Mortgage Lender in Elysburg?
Local Market Knowledge
Lenders who understand Elysburg'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 Elysburg and get competitive rates on your home loan.