SSL Secured
Privacy Protected
Licensed & Regulated
MortgageLenderNearMe
Kemblesville, PA

The Best Mortgage Lenders in Kemblesville, PA

Compare verified mortgage lenders serving Kemblesville, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
655+
Reviews
9
Loan Types

Available Loan Programs in Kemblesville

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
HELOC
First-time Homebuyer

Featured Mortgage Lenders

1

Fulton Mortgage Company

Fulton Bank, N.A.

★★★★☆
4.8/5

Fulton Mortgage Company stands out as a top-rated regional lender with deep roots in southeastern Pennsylvania. As the mortgage division of Fulton Bank, they bring over 140 years of banking experience to the table with specialized mortgage expertise spanning decades. Their local loan officers understand the unique aspects of the Kemblesville real estate market and offer personalized service throughout the entire mortgage process. Customers consistently praise their competitive rates, transparent communication, and smooth closing experiences. With multiple branch locations throughout Chester County and the broader region, they provide convenient local support while offering the full range of loan products and digital tools expected from an established financial institution.

Experience:25 years
Reviews:185 customer reviews
1506 Baltimore Pike, Chadds Ford, PA 19317

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
Visit Website
2

Newrez Mortgage

Newrez LLC

★★★★☆
4.7/5

Newrez has established itself as one of the highest-rated national mortgage lenders serving Pennsylvania borrowers, including those in rural areas like Kemblesville. While operating as a digital-first lender, they maintain strong local market knowledge and have dedicated Pennsylvania-licensed loan officers. Their extensive product lineup includes specialized programs for rural properties and competitive government-backed loans. Customers consistently highlight their efficient online application process, responsive customer service, and ability to close loans quickly. With an A+ BBB rating and numerous industry awards, Newrez combines technological efficiency with human expertise to deliver exceptional mortgage experiences for both purchase and refinance transactions throughout Chester County.

Experience:15 years
Reviews:320 customer reviews
55 Beattie Park Drive, Greenville, SC 29601 (serves PA remotely)

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceHELOC
Visit Website
3

American Heritage Credit Union

American Heritage Credit Union

★★★★☆
4.6/5

American Heritage Credit Union has been serving Pennsylvania residents for over 75 years and has built an outstanding reputation for mortgage lending throughout the greater Philadelphia region, including Chester County communities like Kemblesville. As a member-owned financial cooperative, they consistently offer highly competitive rates and lower fees than traditional banks. Their mortgage team provides personalized guidance through every step of the homebuying process, with particular strength in first-time homebuyer programs and government-backed loans. Members rave about the credit union's exceptional customer service, local decision-making, and community-focused approach. Their extensive branch network throughout southeastern Pennsylvania ensures convenient local support while maintaining the benefits of a larger financial institution.

Experience:20 years
Reviews:150 customer reviews
2068 Red Lion Road, Philadelphia, PA 19115

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceConstruction
Visit Website

Frequently Asked Questions

Common questions about mortgage lending in Kemblesville, PA

Are there any special mortgage considerations for buying a home in Kemblesville's rural setting?

Yes, many properties in the Kemblesville area are on well water and septic systems, which can affect loan approval. Lenders may require specific water quality tests and septic inspections before closing. For truly rural properties, you might also explore USDA loans, which are available in this area and offer 100% financing with no down payment.

What are typical property taxes for a home in Kemblesville, PA, and how do they impact my mortgage?

Property taxes in Franklin Township (where Kemblesville is located) are relatively moderate for Chester County. The 2024 total millage rate is approximately 22.5 mills. When calculating your total monthly mortgage payment (PITI), lenders will escrow for these taxes, so it's crucial to factor this into your budget, as it can add several hundred dollars to your monthly payment.

Are there any first-time homebuyer programs specifically beneficial for Kemblesville?

While Kemblesville itself doesn't have a local program, Pennsylvania's statewide PHFA (Pennsylvania Housing Finance Agency) programs are excellent resources. The Keystone Home Loan program offers competitive rates and down payment/closing cost assistance (like the Keystone Assistance Loan). These programs have income and purchase price limits that are very attainable for the Kemblesville market.

How does the appraisal process work for Kemblesville's mix of older homes and newer construction?

Appraisals here require local expertise due to the variety of property types, from historic farmhouses to newer subdivisions. Comparable sales ("comps") can be limited, so an appraiser familiar with southern Chester County is essential. For older homes, lenders will pay close attention to the appraiser's notes on the condition of major systems like roofing, plumbing, and electrical.

Is homeowner's insurance more expensive for mortgages in Kemblesville, and why?

Insurance premiums can be slightly higher than in more urban areas due to Kemblesville's rural character. Factors include greater distance from fire hydrants and fire stations, which affects the Fire Protection Class (IPC) rating. When getting a mortgage quote, it's wise to shop for insurance early, as this cost is also included in your monthly escrow payment.

Nearby Cities

Explore mortgage lenders in cities near Kemblesville, PA

Why Choose a Mortgage Lender in Kemblesville?

Local Market Knowledge

Lenders who understand Kemblesville'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 Kemblesville and get competitive rates on your home loan.