The Best Mortgage Lenders in Kent, PA
Compare verified mortgage lenders serving Kent, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kent
Featured Mortgage Lenders
First Citizens Community Bank
First Citizens Community Bank
First Citizens Community Bank is a highly-rated local institution with deep roots in Tioga County, including Kent, PA. Known for its personalized service and community-focused approach, the bank offers competitive mortgage rates and a wide range of loan products. With over two decades of experience, they have built a strong reputation for reliability, transparency, and exceptional customer satisfaction, making them a top choice for homebuyers in the region.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with a strong regional presence in Pennsylvania, serving the Kent area through dedicated local offices. They are praised for their efficient loan processing, competitive rates, and high customer satisfaction scores. With nearly three decades of experience, they specialize in guiding borrowers through the mortgage process with expertise and care, earning numerous industry awards and positive reviews for their service.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a reputable national lender known for its community engagement and customer-centric approach, with reliable service extending to Kent, PA. They offer a comprehensive suite of mortgage products with competitive rates and a streamlined application process. Founded in 2008, they have quickly grown due to their focus on transparency, speed, and high customer satisfaction, making them a trusted option for homebuyers in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Kent, PA
Are there any first-time homebuyer programs specifically for Kent, PA that can help with down payments?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers the Keystone Home Loan Program and the Keystone Government Loan, which are available statewide, including in Kent. These programs provide competitive interest rates and down payment/closing cost assistance. Additionally, local lenders may have knowledge of any county-specific or regional initiatives through the Bradford County Housing & Redevelopment Authority that can provide additional support.
How do property taxes in Bradford County affect my mortgage payments in Kent?
Bradford County has relatively low property tax rates compared to many other areas in Pennsylvania, which is a significant advantage for Kent homebuyers. Your lender will calculate your estimated annual taxes and include 1/12th of that amount in your monthly mortgage escrow payment. It's wise to get a precise quote from the Bradford County Tax Assessment Office when budgeting, as rates can vary slightly between municipalities.
What types of properties are common for mortgages in Kent, and does that affect loan options?
Kent features many single-family homes, older historic properties, and rural land. For standard homes, conventional, FHA, and VA loans are readily available. However, if you're looking at a unique property, a large parcel of land, or a home in need of significant renovation, you may need to explore specialized loan products like a USDA loan for rural areas or an FHA 203(k) renovation loan, which local lenders can help navigate.
Is it difficult to get a mortgage appraisal in a small town like Kent, PA?
Appraisals can sometimes be more challenging in rural areas due to a lower volume of recent, comparable home sales ("comps"). An experienced local lender will work with appraisers familiar with the Bradford County market who understand how to value properties based on local conditions, including land value and the unique characteristics of homes in the region. This local expertise helps ensure a fair and accurate valuation.
Are USDA home loans a good option for buyers in Kent, Pennsylvania?
Absolutely. Given Kent's rural setting, many properties and borrowers in the area are eligible for USDA Section 502 Guaranteed Loans, which offer 100% financing (no down payment). To qualify, the home must be located in a USDA-eligible rural area—most of Bradford County qualifies—and the borrower's income must meet certain limits. This can be an excellent program for eligible first-time and repeat buyers in the Kent community.
Why Choose a Mortgage Lender in Kent?
Local Market Knowledge
Lenders who understand Kent'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 Kent and get competitive rates on your home loan.