The Best Mortgage Lenders in Harrisville, PA
Compare verified mortgage lenders serving Harrisville, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harrisville
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a top-rated lender known for its exceptional customer service and fast loan processing. With a strong presence in Western Pennsylvania, they offer competitive rates and a wide range of loan products, including specialized options for first-time homebuyers. Their high ratings stem from personalized service, transparency, and a commitment to community involvement in the Butler County area.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly reputable lender with a focus on diversity and customer satisfaction. They serve Harrisville and surrounding areas with competitive rates and a variety of loan programs, including options for low-to-moderate income borrowers. Their strong local presence in Pittsburgh and high review counts reflect reliability, efficient processing, and dedicated support for Pennsylvania homebuyers.
Loan Types:
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a nationally recognized lender with deep roots in Pennsylvania, offering exceptional service and competitive rates. Known for their extensive loan options and expert guidance, they have a strong track record in Butler County and nearby regions. High customer ratings highlight their reliability, fast closings, and commitment to making the mortgage process smooth and transparent for Harrisville residents.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Harrisville, PA
What are the typical down payment requirements for homes in Harrisville, PA, given its rural market?
For most conventional loans in Harrisville's market, a 5-10% down payment is common, though some lenders may offer 3% programs. Given the area's more affordable home prices compared to urban Pennsylvania, USDA loans are a popular option here, as they offer 0% down payment for eligible borrowers in designated rural areas, which includes Harrisville.
Are there any local or county-specific first-time homebuyer programs available in Butler County for Harrisville residents?
Yes, the Butler County Housing and Redevelopment Authority offers the HOMEstead Down Payment and Closing Cost Assistance Program. This provides eligible first-time homebuyers in Butler County, including Harrisville, with up to $10,000 in a five-year forgivable loan to assist with down payment and closing costs, making homeownership more accessible.
How do property taxes in Harrisville, PA, impact my mortgage qualification and monthly payment?
Butler County, where Harrisville is located, has relatively moderate property tax rates compared to other parts of Pennsylvania. Lenders will factor these taxes into your debt-to-income ratio. For a typical Harrisville home, you can expect annual property taxes to range from 1.3% to 1.7% of the home's assessed value, which will be included in your monthly escrow payment.
What type of property appraisals are common for mortgages in Harrisville's more rural setting?
Due to the rural nature of Harrisville and the prevalence of properties with more land, appraisals often require a "rural property" or "land-in-excess" appraisal. Appraisers must find comparable sales ("comps") from similar rural areas in Butler County or neighboring counties, which can sometimes be a more complex process than in suburban subdivisions.
Are there specific lenders or credit unions in the Harrisville area that have expertise with local rural properties?
While national lenders are available, local institutions like First National Bank of Pennsylvania and Clearview Federal Credit Union have strong presences in Butler County. These local lenders often have a deeper understanding of the valuation nuances for Harrisville's mix of village homes and rural properties, and they may offer more flexible underwriting for well and septic systems, which are common in the area.
Nearby Cities
Explore mortgage lenders in cities near Harrisville, PA
Why Choose a Mortgage Lender in Harrisville?
Local Market Knowledge
Lenders who understand Harrisville'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 Harrisville and get competitive rates on your home loan.