The Best Mortgage Lenders in Marietta, PA
Compare verified mortgage lenders serving Marietta, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Marietta
Featured Mortgage Lenders
Mortgage Department
Members 1st Federal Credit Union
Members 1st Federal Credit Union is one of central Pennsylvania's most trusted mortgage lenders with exceptional customer satisfaction ratings. As a community-focused credit union, they offer personalized service and competitive rates with deep understanding of the Lancaster County housing market. Their mortgage team provides comprehensive guidance through the entire home financing process, from pre-approval to closing, with special expertise in first-time homebuyer programs and local market conditions in Marietta and surrounding areas.
Loan Types:
Mortgage Center
Fulton Bank
Fulton Bank has been serving Pennsylvania communities for over 140 years with a strong presence throughout Lancaster County. Their mortgage division receives consistently high marks for responsive service, local decision-making, and competitive loan products. With deep roots in the Marietta area, their loan officers understand the unique aspects of the local real estate market and provide tailored solutions for both purchase and refinance transactions, including specialized programs for historic properties common in the region.
Loan Types:
Mortgage Services
APM - American Pacific Mortgage
APM's Lancaster office has built an outstanding reputation for mortgage lending throughout southeastern Pennsylvania, with particular expertise serving the Marietta and Lancaster County markets. They consistently receive top ratings for their transparent process, competitive rates, and exceptional customer service. Their local loan officers have extensive knowledge of the area's housing inventory and provide comprehensive guidance on various loan programs, including specialized options for the unique properties found in historic Marietta neighborhoods.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Marietta, PA
Are there any special mortgage programs for first-time homebuyers in Marietta, PA?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers several programs, including the Keystone Home Loan and Keystone Government Loan, which provide competitive interest rates and down payment/closing cost assistance. These programs are particularly valuable in Marietta, where first-time buyers may be competing with investors for historic or riverfront properties. A local lender familiar with PHFA can guide you through the specific income and purchase price limits that apply in Lancaster County.
How does Marietta's location in a flood zone affect the mortgage process?
Given Marietta's proximity to the Susquehanna River, many properties are in designated flood zones. Your lender will require a flood certification, and if the home is in a Special Flood Hazard Area (SFHA), you must purchase flood insurance as a condition of the mortgage. This is a mandatory, ongoing cost that must be factored into your monthly housing budget, and it can influence both the appraisal and the overall affordability of a riverside home.
What are typical down payment requirements for homes in Marietta's historic district?
While standard loans may require as little as 3-5% down, homes in Marietta's historic district often require more. Some older homes may not meet all agency (Fannie Mae/Freddie Mac) property guidelines, potentially necessitating a renovation loan (like the FHA 203k) or a portfolio loan from a local bank. These products can have higher down payment requirements, often 10-20%, to account for the unique characteristics and potential repair needs of historic properties.
Are mortgage rates in Marietta different from the national average?
Mortgage rates are primarily set by national markets, so they are generally consistent. However, your final rate in Marietta can be influenced by local factors such as the lender's access to county-specific grant or assistance programs, the type of property (e.g., historic, rural), and the overall competition in the Lancaster County market. Working with a local credit union or community bank may provide access to special rate discounts or programs tailored to the area.
What local closing costs should I anticipate when getting a mortgage in Marietta, PA?
Beyond standard fees, you'll encounter Lancaster County-specific costs. These include county transfer tax (1% shared between buyer and seller), local municipal taxes, and potentially higher title insurance premiums due to the age and complex history of properties. Furthermore, if the home has septic and well systems (common in the more rural parts of Marietta), lenders will require specific inspections, which are an additional, upfront cost for the buyer.
Why Choose a Mortgage Lender in Marietta?
Local Market Knowledge
Lenders who understand Marietta'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 Marietta and get competitive rates on your home loan.