The Best Mortgage Lenders in Laceyville, PA
Compare verified mortgage lenders serving Laceyville, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Laceyville
Featured Mortgage Lenders
Peoples Security Bank Mortgage Department
Peoples Security Bank & Trust Company
Peoples Security Bank has deep roots in Laceyville with their main branch located right in town, making them the most local and accessible option. They maintain exceptional 4.8-star ratings across multiple platforms for their personalized service and competitive mortgage rates. As a community bank founded in 1995, they understand the local real estate market and offer flexible underwriting for rural properties common in Wyoming County. Their mortgage specialists provide one-on-one guidance through the entire process with local decision-making authority.
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PSECU Mortgage Services
Pennsylvania State Employees Credit Union
PSECU serves the entire state of Pennsylvania including Laceyville residents with highly competitive rates and exceptional member service. With over 215 reviews averaging 4.7 stars, they're praised for their digital mortgage process and knowledgeable loan officers. As one of Pennsylvania's largest credit unions, they offer special first-time homebuyer programs and typically provide rates 0.25-0.5% below national averages. Their local mortgage representatives understand the Northeast PA market and provide personalized service despite their statewide reach.
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Fidelity Bank Mortgage Division
Fidelity Deposit and Discount Bank
Fidelity Bank has been serving Northeast Pennsylvania since 1994 with a strong presence throughout the region including Laceyville. They maintain 4.6-star ratings for their responsive service and local underwriting expertise. Their mortgage team specializes in rural properties and offers unique construction-to-permanent loans ideal for the Laceyville area. With 28 years of mortgage lending experience, they provide competitive rates and personalized service through their dedicated mortgage officers who understand the specific needs of Wyoming County homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Laceyville, PA
Are there any local or county-specific first-time homebuyer assistance programs available in Laceyville, PA?
Yes, homebuyers in Laceyville (Wyoming County) should explore the Pennsylvania Housing Finance Agency (PHFA) programs, which are accessible statewide. Additionally, it's wise to inquire with local credit unions or community banks about any special down payment assistance or closing cost grants they may offer for Wyoming County residents. These can be layered with PHFA's popular Keystone Home Loan programs.
How do property types common in Laceyville, like older homes or larger rural lots, affect the mortgage process?
Older homes in Laceyville may require a more thorough appraisal and inspection, as lenders need to ensure the property meets minimum property standards. For homes on larger, non-standard lots or with unique water/septic systems, some lenders may have specific requirements or require additional documentation, so working with a local lender familiar with rural properties is advantageous.
What are typical mortgage rates for borrowers in Laceyville, PA, and do they differ from national averages?
Mortgage rates in Laceyville are generally aligned with national averages, as they are driven by broader financial markets. However, your specific rate will depend heavily on your personal credit profile, loan-to-value ratio, and the lender you choose. Shopping around with local banks, credit unions, and national lenders is key to securing the best available rate for your situation.
What should I know about property taxes and homeowners insurance when budgeting for a mortgage in Laceyville?
Wyoming County property taxes are relatively moderate compared to more urban Pennsylvania counties, but you should get an accurate estimate from the county assessment office. For insurance, due to Laceyville's rural setting and potential for well/septic systems, you may need to budget for additional coverage like water backup or a separate septic warranty, which your lender will require.
Are USDA Rural Development loans a viable option for mortgages in Laceyville, PA?
Absolutely. Laceyville is located in a USDA-eligible rural area, making USDA loans a popular and attractive option for qualified buyers. These loans offer 100% financing (no down payment) and often feature competitive interest rates, which is particularly beneficial given the area's median income levels. You should check the USDA eligibility map for the specific property address.
Nearby Cities
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Why Choose a Mortgage Lender in Laceyville?
Local Market Knowledge
Lenders who understand Laceyville'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 Laceyville and get competitive rates on your home loan.