Top 3 Mortgage Lenders in Howard

The Ream Home Mortgage Team is one of Central Pennsylvania's highest-rated mortgage lenders with extensive experience serving rural communities like Howard. Chris Ream and his team specialize in personalized service and have particular expertise with USDA rural development loans, which are highly relevant for Howard area properties. They maintain a 4.9-star rating across multiple review platforms and are known for their competitive rates and exceptional customer service throughout Centre County and surrounding areas.

As a community bank deeply rooted in Central Pennsylvania, Nittany Bank has built a strong reputation for mortgage lending in rural communities including Howard. Their local underwriting and decision-making process allows for greater flexibility, and they have particular expertise with construction loans and land purchases common in the Howard area. With physical branches throughout the region, they offer personalized service and understand the unique property needs of rural Centre County.

While headquartered in Mechanicsburg, Members 1st has a strong presence throughout Central Pennsylvania and actively serves the Howard area. They are particularly known for competitive rates and excellent member service, with special programs for first-time homebuyers and rural property financing. Their extensive branch network and digital capabilities make them accessible to Howard residents, and they have specific expertise with USDA loans that are ideal for the rural Howard market. They maintain consistently high customer satisfaction ratings across multiple review platforms.