The Best Mortgage Lenders in Harleigh, PA
Compare verified mortgage lenders serving Harleigh, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harleigh
Featured Mortgage Lenders
FNCB Bank Mortgage Team
FNCB Bank
FNCB Bank has been serving Northeastern Pennsylvania communities for over a century with deep roots in Lackawanna County. As a community-focused institution with multiple branches near Harleigh, they offer personalized mortgage services with local decision-making. Their mortgage team receives consistently excellent reviews for their responsiveness, competitive rates, and expertise in first-time homebuyer programs. They provide comprehensive mortgage solutions with the advantage of local underwriters who understand the Harleigh area real estate market intimately.
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NEPA Lending Group
NEPA Lending Group
This highly specialized mortgage brokerage serves the entire Northeastern Pennsylvania region including Harleigh, with exceptional customer satisfaction ratings. They excel at finding competitive rates across multiple lenders and are particularly noted for their expertise in first-time homebuyer programs and government-backed loans. Their team provides personalized guidance through the entire mortgage process, with numerous reviews highlighting their exceptional communication and ability to close loans quickly. They have strong relationships with local real estate agents throughout Lackawanna County.
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Newrez Local Mortgage Experts
Newrez LLC
As one of the nation's largest mortgage lenders with strong Pennsylvania presence, Newrez offers competitive rates and extensive loan products while maintaining local expertise in the Harleigh market. They combine the efficiency and technology of a national lender with personalized service through local mortgage professionals who understand Northeastern Pennsylvania's unique housing landscape. They receive high marks for their streamlined digital application process and consistently competitive rate offerings across all loan types, particularly for refinancing and jumbo loans.
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Frequently Asked Questions
Common questions about mortgage lending in Harleigh, PA
What are the typical down payment requirements for homes in Harleigh, PA, given the local market?
In Harleigh's more affordable housing market, many conventional loans require a 3-5% down payment. For FHA loans, which are common here, the minimum is 3.5%. Local lenders are familiar with the property values in the Hazleton Area School District and can help structure loans that fit the price points of homes in Harleigh and surrounding boroughs.
Are there any first-time homebuyer programs specifically for residents of Harleigh or Luzerne County?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers the Keystone Home Loan program and down payment/closing cost assistance, which are accessible to Harleigh buyers. Additionally, the NeighborWorks Northeastern Pennsylvania provides local homebuyer education and counseling, which is often a requirement for these state-assisted programs and is invaluable for navigating the local real estate process.
How do property taxes in the Hazleton Area School District impact my mortgage payments in Harleigh?
Luzerne County property taxes, which include school and municipal rates, are a significant component of your monthly escrow payment. The overall tax burden in the area is moderate compared to other parts of Pennsylvania. Your lender will calculate these into your Debt-to-Income ratio, and it's wise to get a precise estimate from the county assessment office when budgeting for your total monthly payment.
What type of home inspections or specific concerns should I budget for when getting a mortgage on an older home in Harleigh?
Many homes in Harleigh have historic character and may be several decades old. Lenders will require a standard appraisal, but you should strongly consider a separate, thorough home inspection focusing on aging roofs, foundations, and outdated electrical or plumbing systems. Budgeting for these potential repairs is crucial, as they can affect the home's value and your loan's final approval.
Are USDA rural housing loans available for properties in Harleigh, PA?
Yes, Harleigh's location qualifies it for USDA Rural Development loans, which offer 100% financing (no down payment). This is a major advantage for eligible buyers looking in this area, as it makes homeownership more accessible. You should check the USDA eligibility map for the specific property address and confirm income limits with a lender experienced with this program.
Nearby Cities
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Why Choose a Mortgage Lender in Harleigh?
Local Market Knowledge
Lenders who understand Harleigh'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 Harleigh and get competitive rates on your home loan.