The Best Mortgage Lenders in Moosic, PA
Compare verified mortgage lenders serving Moosic, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Moosic
Featured Mortgage Lenders
Fidelity Deposit and Trust Company
Fidelity Deposit and Trust Company
Fidelity Deposit and Trust Company (operating as Fidelity Bank) is a premier regional financial institution serving northeastern Pennsylvania, including Moosic, with exceptional mortgage services. With over 120 years of community banking experience, they offer personalized mortgage solutions through local loan officers who understand the Moosic real estate market. Their high rating reflects outstanding customer service, competitive rates, and a wide range of loan products. As a locally-headquartered bank, they provide the convenience of in-person service combined with digital mortgage tools, making them a top choice for homebuyers in the Scranton/Moosic area.
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Pennstar Bank
Pennstar Bank
Pennstar Bank has been serving the Scranton/Wilkes-Barre metropolitan area, including Moosic, for over a century with exceptional mortgage lending services. They maintain a strong local presence with multiple branches throughout Lackawanna County and offer competitive mortgage rates with flexible terms. Their mortgage team provides personalized guidance through the entire homebuying process, from pre-approval to closing. With excellent customer satisfaction ratings and deep community roots, Pennstar Bank is known for their responsive service and comprehensive mortgage solutions tailored to Moosic area residents' needs.
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PNC Mortgage
PNC Bank, National Association
PNC Mortgage provides comprehensive home lending services to Moosic residents through their strong regional presence in northeastern Pennsylvania. As a nationally recognized lender with local branches throughout the Scranton area, PNC offers competitive mortgage rates, digital mortgage tools, and experienced local loan officers. Their wide range of loan products includes specialized programs for first-time homebuyers and various down payment options. With decades of mortgage lending experience and extensive resources, PNC combines the convenience of a national lender with personalized local service, making them a reliable choice for Moosic homebuyers seeking flexible financing options.
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Frequently Asked Questions
Common questions about mortgage lending in Moosic, PA
Are there any local first-time homebuyer assistance programs specific to Moosic, PA?
While Moosic itself does not have a municipal program, homebuyers in Lackawanna County can access the Pennsylvania Housing Finance Agency (PHFA) Keystone Home Loan programs. These offer competitive rates and down payment/closing cost assistance, such as the Keystone Government Loan or HOMEstead programs, which are widely used by buyers in the Moosic area.
How do property taxes in Moosic impact my mortgage affordability?
Moosic has a combined borough and school district (Riverside) tax rate that is a key factor in your total monthly payment. Lackawanna County property taxes are generally moderate compared to national averages, but your lender will calculate escrow based on the specific millage rates for your purchased home, which can vary.
What types of properties are most common for mortgages in Moosic, and does that affect loan options?
Moosic features a mix of single-family homes, older duplexes, and some newer construction, particularly in developments near Montage Mountain. Conventional loans are most common, but for multi-unit properties (up to 4 units), buyers may explore FHA or conventional loans with different down payment requirements, leveraging potential rental income.
Are there specific lenders or credit unions in the Moosic area known for offering good mortgage terms?
Yes, local institutions like Penn East Federal Credit Union (headquartered nearby) and Fidelity Bank have strong community presence and often offer competitive rates and personalized service for Moosic residents. They are familiar with local appraisals and the housing market in the Scranton/Moosic corridor.
Does living in a borough like Moosic, versus an unincorporated area, affect the mortgage process?
The main impact is ensuring the property is within borough limits for utility and tax purposes, which title insurance and your lender will verify. Some Moosic neighborhoods may also be part of a Flood Zone (near the Lackawanna River), which could require flood insurance as a condition of your mortgage, affecting your overall cost.
Why Choose a Mortgage Lender in Moosic?
Local Market Knowledge
Lenders who understand Moosic'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 Moosic and get competitive rates on your home loan.