The Best Mortgage Lenders in Hastings, PA
Compare verified mortgage lenders serving Hastings, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hastings
Featured Mortgage Lenders
Mortgage Services Team
PSECU (Pennsylvania State Employees Credit Union)
PSECU is one of Pennsylvania's largest credit unions with an exceptional reputation for mortgage lending. While headquartered in Harrisburg, they serve the entire state of Pennsylvania including Hastings residents. They consistently receive top ratings for competitive rates, personalized service, and their comprehensive first-time homebuyer programs. Their digital mortgage application process is highly rated, and they offer special programs for Pennsylvania homebuyers with down payment assistance options.
Loan Types:
Mortgage Department
S&T Bank
S&T Bank has deep roots in Central Pennsylvania with multiple branches serving the Hastings region. They are particularly strong in rural and small community mortgage lending, offering specialized programs for properties in areas like Hastings. Their local loan officers provide personalized service and understand the unique aspects of Cambria County real estate. S&T receives excellent reviews for their responsive communication and competitive conventional loan products.
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Pennsylvania Mortgage Team
Newrez LLC
Newrez (formerly New Rez) is a leading national mortgage lender with strong Pennsylvania presence and excellent service ratings. They offer competitive rates and a streamlined digital mortgage experience while maintaining local expertise. Their Pennsylvania-based loan officers are familiar with Hastings area property values and market conditions. Newrez receives high marks for their efficient processing, wide range of loan products, and strong customer service throughout the loan process from application to closing.
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Frequently Asked Questions
Common questions about mortgage lending in Hastings, PA
Are there any special mortgage programs for first-time homebuyers in Hastings, PA?
Yes, Pennsylvania offers the Keystone Home Loan Program through the Pennsylvania Housing Finance Agency (PHFA), which is accessible to Hastings residents. This program provides competitive, below-market fixed interest rates and down payment/closing cost assistance grants, such as the Keystone Advantage Assistance Loan, which is particularly helpful given the area's moderate income levels.
How does the rural nature of Hastings and Cambria County affect my mortgage options?
Hastings' location in a USDA-designated rural area makes many homebuyers eligible for USDA Rural Development loans, which offer 100% financing with no down payment required. This is a significant advantage, especially for first-time buyers or those with limited savings, as property prices in the area are often below state averages.
What are typical property taxes in Hastings, and how do they impact my mortgage qualification?
Property taxes in Cambria County, where Hastings is located, are relatively moderate compared to urban parts of Pennsylvania. For a typical home in Hastings valued around $120,000, annual taxes might range from $1,500 to $2,200. Lenders will include this estimated monthly tax payment in your debt-to-income ratio, so it's a key factor in determining your loan amount.
Are local credit unions in the Hastings area a good option for mortgages?
Absolutely. Local institutions like AmeriServ Financial or other regional credit unions often have deep roots in Cambria County and may offer personalized service and competitive rates. They sometimes have more flexibility with underwriting for unique local properties, which can include older homes or homes on larger, non-standard lots common in the area.
Should I expect any unique home appraisal challenges for properties in Hastings?
Yes, appraisals in a small, rural market like Hastings can sometimes be challenging due to fewer recent comparable sales ("comps"). This is especially true for unique or older properties. Working with a lender familiar with the local Cambria County market can help, as they often use appraisers who understand how to properly value homes in these conditions.
Nearby Cities
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Why Choose a Mortgage Lender in Hastings?
Local Market Knowledge
Lenders who understand Hastings'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 Hastings and get competitive rates on your home loan.