The Best Mortgage Lenders in Refton, PA
Compare verified mortgage lenders serving Refton, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Refton
Featured Mortgage Lenders
Fulton Mortgage Company
Fulton Bank, N.A.
Fulton Mortgage Company, the lending division of Fulton Bank, has been serving Pennsylvania communities for over 140 years with deep roots in Lancaster County. They maintain exceptional 4.8-star ratings across multiple review platforms due to their personalized service, local underwriting decisions, and competitive rates. As a community-focused lender with multiple branches throughout Lancaster County, they have extensive experience with Refton area properties and offer the advantage of local loan processing and decision-making. Their mortgage specialists provide comprehensive guidance through the entire home financing process with particular expertise in first-time homebuyer programs and construction loans.
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Members 1st Mortgage Services
Members 1st Federal Credit Union
Members 1st Federal Credit Union has built an outstanding reputation across central Pennsylvania with consistently high customer satisfaction ratings. While headquartered in Mechanicsburg, they serve all of Lancaster County including Refton residents. Their mortgage team receives praise for responsive communication, competitive rates for members, and streamlined digital application process. They excel at first-time homebuyer programs and offer exclusive member benefits including rate discounts and flexible underwriting. With over 70 years serving Pennsylvania communities, they combine modern technology with personalized service and deep local market knowledge.
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New American Funding
New American Funding
New American Funding maintains a strong physical presence in Lancaster with a dedicated local team serving Refton and surrounding communities. They've earned excellent ratings for their innovative loan products, including their unique "I CAN" loan program requiring only one month of reserves. Their local loan officers have extensive knowledge of Lancaster County's housing market and provide bilingual services. Customers consistently praise their efficient processing, competitive rates, and exceptional customer service throughout the loan process. As a direct lender with in-house underwriting, they can offer faster closings and more personalized service than many larger national banks.
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Frequently Asked Questions
Common questions about mortgage lending in Refton, PA
What are the current mortgage rates like in Refton, PA, and how do they compare to state averages?
Mortgage rates in Refton are generally aligned with national and Pennsylvania averages, but local credit unions like Members 1st or Belco Community Credit Union can sometimes offer very competitive rates. As a rural area in Lancaster County, rates may be slightly more favorable than in larger metropolitan areas due to lower perceived risk, but it's always best to compare offers from multiple local lenders.
Are there any first-time homebuyer programs specifically beneficial for purchasing in Refton?
Yes, the Pennsylvania Housing Finance Agency (PHFA) offers its Keystone Home Loan program and down payment/closing cost assistance, which are accessible to Refton buyers. Additionally, the Lancaster County Housing and Redevelopment Authority may have specific programs or grants for first-time buyers in the county, which can be applied to homes in Refton's more affordable market.
How does Refton's location in a rural part of Lancaster County affect the mortgage process, like appraisals?
Being in a rural area, appraisals can be more complex due to fewer comparable home sales ("comps") in the immediate vicinity. Lenders may need to look at properties in a wider radius, potentially including nearby towns like Quarryville or New Providence. This rarely causes major issues but can require an appraiser with specific local knowledge of the area's land and property values.
What type of property or land considerations should I be aware of when getting a mortgage for a home in Refton?
Refton has many properties with larger lots, and some may include agricultural or wooded acreage. Standard mortgages typically cover the house and 1-10 acres; if a property has significantly more land, you may need a specialized rural or agricultural loan. Also, ensure the property has standard utilities, as some very rural parcels might use wells or septic systems, which require specific inspections.
Are USDA loans a viable option for homebuyers in Refton, PA?
Absolutely. Given Refton's rural designation by the USDA, many homes in the area are eligible for USDA Rural Development loans, which offer 100% financing with no down payment. This is a highly attractive program for eligible buyers with moderate incomes looking to purchase a primary residence in the Refton area, as it can significantly lower the barrier to entry.
Nearby Cities
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Why Choose a Mortgage Lender in Refton?
Local Market Knowledge
Lenders who understand Refton'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 Refton and get competitive rates on your home loan.