The Best Mortgage Lenders in Rouzerville, PA
Compare verified mortgage lenders serving Rouzerville, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Rouzerville
Featured Mortgage Lenders
Fulton Mortgage Company
Fulton Bank, N.A.
Fulton Mortgage Company stands out as a premier regional lender serving Rouzerville and Franklin County with exceptional local expertise. As part of Fulton Bank, they bring over 140 years of banking experience to the mortgage process. Their dedicated mortgage specialists provide personalized service with competitive rates on all loan types. They are particularly noted for their construction-to-permanent loan programs and first-time homebuyer assistance. With a physical branch in nearby Chambersburg and deep community roots, they offer the perfect blend of local knowledge and financial stability that Rouzerville homebuyers appreciate.
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HAPO Community Credit Union
HAPO Community Credit Union
HAPO Community Credit Union, while headquartered in Washington, has established a strong presence in Pennsylvania through their extensive mortgage lending network. They are particularly acclaimed for their competitive rates and member-focused approach. As a credit union, they return profits to members through better rates and lower fees. Their mortgage team specializes in first-time homebuyer programs and offers exceptional guidance through the entire home financing process. They have consistently high customer satisfaction ratings for their responsive service and straightforward loan processing.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage has built an outstanding reputation in south-central Pennsylvania with their efficient "Same-Day Processing" promise and commitment to local community support. Their local loan officers have deep knowledge of the Rouzerville and Franklin County housing markets. They are particularly praised for their streamlined digital application process and quick closing times, often completing loans in 30 days or less. Movement stands out for their corporate culture of giving back to local communities and their ability to provide competitive conventional and government loan options with exceptional customer service throughout the entire mortgage journey.
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Frequently Asked Questions
Common questions about mortgage lending in Rouzerville, PA
What are the typical down payment requirements for a home in Rouzerville, PA?
In Rouzerville, many conventional loans require a 5-10% down payment, but there are excellent options for lower down payments. For example, an FHA loan requires only 3.5% down, which is popular in this market. Additionally, first-time homebuyers may qualify for Pennsylvania's PHFA programs that offer down payment and closing cost assistance with as little as $500 down.
Are there specific mortgage programs for first-time homebuyers in Franklin County, where Rouzerville is located?
Yes, Rouzerville residents have access to Pennsylvania Housing Finance Agency (PHFA) programs like Keystone Home Loan and HOPE for Homeowners. These offer competitive, below-market interest rates and down payment/closing cost assistance grants. It's also wise to check with local lenders familiar with Franklin County for any additional county or lender-specific first-time buyer incentives.
How does Rouzerville's location near the Maryland border affect the mortgage process?
Rouzerville's proximity to Maryland means some buyers may work across state lines, which lenders account for carefully. Your employment income from Maryland is fully usable, but lenders will verify the stability of a longer commute. Property taxes and insurance costs can also differ from nearby Maryland towns, so your lender will provide a precise payment analysis based on Pennsylvania's rates.
What is the current market like for mortgage rates and home appraisals in Rouzerville?
Rouzerville's rates are generally aligned with national averages but can be influenced by local lender competition. Appraisals are crucial, as the market includes a mix of older homes and newer developments; an appraiser with local knowledge will accurately compare similar properties in the 17250 zip code and surrounding areas to ensure a fair valuation.
What should I know about property taxes and homeowners insurance when getting a mortgage in Rouzerville?
Washington Township (where Rouzerville is located) has its own millage rate for property taxes, which your lender will verify for accurate escrow calculations. Homeowners insurance is essential and may be slightly influenced by the area's mix of older housing stock. Your lender will help you ensure your estimated monthly payment includes these localized costs.
Nearby Cities
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Why Choose a Mortgage Lender in Rouzerville?
Local Market Knowledge
Lenders who understand Rouzerville'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 Rouzerville and get competitive rates on your home loan.