The Best Mortgage Lenders in Pittston, PA
Compare verified mortgage lenders serving Pittston, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Pittston
Featured Mortgage Lenders
FNCB Bank Mortgage Department
FNCB Bank
As a locally headquartered community bank with deep roots in Northeastern Pennsylvania, FNCB Bank offers exceptional mortgage services with personalized attention. Their mortgage team provides competitive rates and flexible loan options while maintaining strong relationships within the Pittston community. With over a century of service, they understand local real estate markets and offer streamlined processing with local decision-making.
Loan Types:
GuardHill Financial Corp.
GuardHill Financial Corporation
Located just minutes from Pittston in Kingston, GuardHill Financial has built an outstanding reputation for mortgage lending throughout Luzerne County. They are known for exceptional customer service, competitive rates, and expertise in various loan programs. Their team of experienced mortgage professionals provides personalized guidance through the entire home financing process, with many customers praising their responsiveness and attention to detail.
Loan Types:
Newrez Local Branch
Newrez LLC
With a strong local presence in nearby Wilkes-Barre, Newrez serves the Greater Pittston area with comprehensive mortgage solutions and competitive pricing. As a nationally recognized lender with local expertise, they offer a wide range of loan products and digital mortgage tools while maintaining personalized service. Their experienced loan officers are known for providing clear communication throughout the lending process and helping borrowers find optimal financing solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Pittston, PA
Are there any special first-time homebuyer programs available specifically for Pittston, PA?
Yes, Pittston homebuyers can access Pennsylvania's statewide PHFA (Pennsylvania Housing Finance Agency) programs, which offer competitive rates, down payment and closing cost assistance, and special loans like the Keystone Government Loan. Additionally, Luzerne County may have local initiatives or grants, so it's wise to check with a local mortgage lender familiar with the area's specific offerings.
How do property taxes in Pittston, PA, affect my mortgage payment and qualification?
Luzerne County property taxes, which include Pittston's city and school district taxes, are a significant component of your monthly escrow payment. While not the highest in the state, these taxes are a key factor in your debt-to-income ratio calculation. A local lender will provide precise tax estimates for your target neighborhood to ensure accurate payment and qualification assessments.
What is the typical down payment needed for a mortgage on a home in Pittston's current market?
While 20% down is ideal to avoid mortgage insurance, many buyers in Pittston utilize conventional loans with 3-5% down or FHA loans with 3.5% down, especially given the area's relatively affordable home prices compared to national averages. The specific amount will depend on the purchase price, your credit, and the loan program you qualify for.
Are there specific mortgage considerations for buying a historic home in Pittston's downtown or older neighborhoods?
Yes, purchasing a historic or older home in areas like Pittston's "Quality of Life" downtown district may require a specialized appraisal and a thorough home inspection for issues like outdated electrical, plumbing, or foundations. Some renovation loans (like the FHA 203k) can be useful, but you must ensure the property meets minimum property standards for your chosen loan program.
How competitive is the mortgage rate environment for Pittston, PA, and should I expect to pay points?
Mortgage rates in Pittston align with national and regional trends, but local lender competition can lead to slight variations. Whether you pay discount points to buy down your rate often depends on how long you plan to own the home. Given the stability of the Pittston market, a local advisor can help you run a break-even analysis to see if paying points makes financial sense for your situation.
Why Choose a Mortgage Lender in Pittston?
Local Market Knowledge
Lenders who understand Pittston'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 Pittston and get competitive rates on your home loan.